零售信用卡是如何偷偷地让美国购物者破产？

@SteviePaints
I worked in the credit card business for a major bank for 35 years. During that time, I volunteered in the community to teach money management classes. I taught to university students, church groups, drug rehab groups and welfare-to-work groups. Across all groups, 99% of them didn’t care to learn or understand anything about managing money. Debt is a modern-day form of slavery. It limits your choices in life. Work to become debt-free.
 
我在一家大银行的信用卡业务工作了35年。在此期间，我曾志愿在社区教授理财课程。我教过大学生、教会团体、戒毒康复团体和福利到工作团体。在所有的团体中，99%的人对学习或理解理财管理毫不关心。债务是现代奴役的形式。它限制了你在生活中的选择。努力实现无债一身轻。
 
@kevak1236
LOL I wouldn't have to worry about credit card debt if I spent $1,200 in Macys and went into debt for it. My wife would just shoot me, no further worries
 
哈哈，如果我在梅西百货花了1200美元然后因此负债，我根本不用担心信用卡债务。我的妻子只会把我枪毙，之后就不用再担心了。
 
@pranavsachdeva1141
simple rule, use credit card like a debit card, meaning use credit card for all purchases, but pay full bill at the end of month
 
简单规则，像借记卡一样使用信用卡，也就是说，用信用卡支付所有购买，但在月底全额支付账单。
 
@HexaBoxabl
Honestly our government has no idea how people are suffering these days. I much feel sorry for the disabled people who don’t get the help they deserve
 
老实说，我们的政府根本不知道现在人们有多么痛苦。我对那些无法得到应有帮助的残疾人感到非常抱歉。
 
@donaldhughes6146
There’s a simple solution to not paying interest on credit cards.
Don’t spend any more than you can afford and set up auto pay to pay off the balance each month.
 
不支付信用卡利息有一个简单的解决办法。
不要花费超过自己负担得起的金额，并设置自动支付每月结清余额。
 
@bradhampton6457
The trick is not to carry a balance on these cards. Pay it in full every month. OR don’t get the card. Period.
 
诀窍是不在这些卡上欠款。每个月全额支付。或者，根本不办卡。就这样。
 
@refdv
I had a Kohls credit card which was recently taken over by Capital One. The interest rate and fees are incredible, but what made me cancel this card is the fact that these retail cards share user information including my social security number. I couldn’t opt out online, I had to call someone in a foreign country, wait on hold, and tell them I did not want any of my info shared, I couldn’t understand the representative’s thick accent and it was easier to just tell her to cancel my card. Not only do these credit card companies charge incredibly high interest and high fees, they also sell our information to who knows! Greedy!
 
我有一张Kohls信用卡，最近被Capital One收购。利率和费用非常高，但让我取消这张卡的是，这些零售信用卡会共享用户信息，包括我的社会保障号。我无法在线选择退出，只能打电话到外国，等待接通，告诉他们我不希望我的信息被共享，但我听不懂客服代表的浓重口音，最终还是直接告诉她取消我的卡。这些信用卡公司不仅收取极高的利息和费用，还将我们的信息卖给了谁知道谁！太贪婪了！
 
@Whomikejones972
No self control is bankrupting them
 
缺乏自控力正在让他们破产。
 
@kamaboko1
At what point do consumers have to be responsible for their own financial decisions? It’s so common to hear people say, I didn’t know about that. Well, why didn’t they do any research before they signed up for these cards? The Internet is flooded with information for making good credit card decisions, not to mention how to create a financial budget. Stupidity can no longer be an excuse for financial decisions that go bad. Particularly something so easy as a credit card.
 
消费者何时需要为自己的财务决策负责？我们常听到人们说，“我不知道这个。”那么，为什么在注册这些卡之前不做些调查呢？互联网充斥着关于如何做出良好信用卡决策的信息，更不用说如何制定财务预算了。愚蠢再也不能作为财务决策失败的借口，尤其是像信用卡这样简单的事。
 
@anthonypearson6759
We really need to stop blaming everyone but the customers. It’s really not so hard to wrap your head around “don’t buy things you don’t have money for”.
 
我们真的需要停止责怪除了顾客以外的所有人。实际上，理解“不要买你没有钱支付的东西”并不难。
 
@iLuseMy1v1s
Pro Tip, don't spend the money you don't have. Be smart, use a credit card with an excellent points program. Use it for everything, pay it off every month... It's free money
 
专业提示：不要花你没有的钱。聪明一点，使用带有优秀积分计划的信用卡。用它支付所有费用，每个月全额还款……这是免费的钱。
 
@VGK-702
Its easy to judge but I was in banking for years and a lot of credit card debt I saw was medical debt or emergency debt. Your kid ends up in the ER with a broken arm, and the only way they can pay for it is on credit card. AC unit goes out in the middle of July, and your family needs it to be safe and comfortable, it goes on a credit card. Your car breaks down and you need to go to work so you can pay your bills and feed your kids, it goes on a credit card. What I used to tell my clients is dont judge, break the cycle, save hard as you can for 6 months of emergency savings. TEACH your family good spending habits by LEARNING how to by getting help and accessing free resources.
 
很容易下判断，但我在银行工作多年，看到的许多信用卡债务都是医疗债务或紧急债务。你的孩子因为摔断了手臂需要去急诊，而唯一能支付的方式是信用卡。7月中旬空调坏了，你的家人需要它保持安全和舒适，它也只能用信用卡支付。你的车坏了，你需要去工作，这样你才能支付账单和养活孩子，也只能用信用卡。我以前告诉我的客户，不要评判，打破这个循环，尽量储蓄六个月的紧急储备金。通过学习如何获得帮助并利用免费资源，教会你的家人良好的消费习惯。
 
@Bakapooru
I disagree with the closing line.  These credit cards no NOT allow people to lead a decent life in this country.  These cards give people the TEMPORARY belief of leading a decent life.
 
我不同意最后一句话。这些信用卡并不能让人们在这个国家过上体面的生活。这些卡只给人一种暂时的体面生活的幻觉。
 
@phillyarchdad
These practices define predatory lending. In earlier time, banks would deny credit to these folks so grey market lenders filled that need. Big banks want all the business now and are the loan sharks of today.
 
这些做法定义了掠夺性贷款。在早些时候，银行会拒绝向这些人提供信用，因此灰色市场的贷款人填补了这一空缺。现在，大银行想要所有的生意，它们是今天的高利贷。
 
@Delvy787
Get comfortable with delayed gratification so you can move at the speed of cash. Credit cards and these issuing companies are the worse.
 
学会延迟满足感，这样你就能以现金的速度前进。信用卡和这些发卡公司是最糟糕的。
 
@Marchalisaac1
Credit cards aren’t bankrupting people. People are spending money that they don’t have. Time to take responsibility for your own actions.
 
信用卡并没有让人破产。人们在花自己没有的钱。是时候为自己的行为负责了。
 
@АлексейМихайлов-ш7х
Man, I thought I knew the rules: work hard, hustle, save every cent. But I always felt stuck. Then someone casually mentioned Nixorus books in a comment somewhere, and I swear—it felt like accidentally stumbling onto forbidden knowledge. It made me question every single thing Id been taught about money, wealth, and success. Not gonna lie, I felt like I was cheating the system just by reading it.
 
伙计，我以为我知道规则：努力工作、拼搏、省下每一分钱。但我总是感觉卡在某个地方。然后有人在评论中随口提到了Nixorus书籍，我发誓——那感觉就像无意间闯入了禁忌的知识。我开始质疑我一直以来关于金钱、财富和成功的一切教条。不骗你，我觉得光是读它就像在作弊。
 
@africocoalux722
Credit Card companies prey on shopoholics. Its a negative symbiotic relationship. It doesn't help that they pressure (with low reward) their employees to over sell these credit cards, almost to the point of harassment towards shoppers. The companies exploit their employees when enforcing credit card sign ups, and the pressure is trickled down from the top. I worked retail in the past, I know how the game works-- our supervisors would encourage us to stress its a "rewards card" and its always a measly 10% discount on the purchase. Its predatory practices all around, and consumers falls for it..
 
信用卡公司猎食购物成瘾者。这是一种负面的共生关系。更糟糕的是，他们用低奖励逼迫员工过度推销这些信用卡，几乎到了对购物者进行骚扰的地步。这些公司在推行信用卡注册时剥削员工，压力从高层传递下来。我曾在零售行业工作，我知道这个游戏怎么玩——我们的主管会鼓励我们强调这是一个“奖励卡”，而实际上，它只不过是在购买时提供微不足道的10%折扣。到处都是掠夺性做法，消费者都中招了。
 
@fatjaysgarage
Your problem is confusing debt with wealth… having 20,000$ available balance doesn’t mean you can afford do drop 20,000$ on anything!
 
你的问题是把债务和财富搞混了……拥有20,000美元的可用余额并不意味着你能随便花掉20,000美元！
 
@jerrycurls88
Credit card debt is really a self control problem. If you use cc like a 30 day float and pay your bill in full on time, it's a great thing. You get points/rewards for using them. If you dont have self control, then get rid of them.  It's just about being responsible. In my 20's, I ran into same issues as many young people do now. I learned about personal finance (that was never taught in school) and use things to my advantage. It's never too late to grow in this critical part of life.
 
信用卡债务真的是自控问题。如果你像使用30天透支一样使用信用卡，并按时全额还款，那它就是一件好事。你可以通过使用信用卡获得积分和奖励。如果你没有自控力，那就去掉它们。这就是责任问题。在我20多岁的时候，我也遇到了和现在许多年轻人一样的问题。我学会了个人理财（学校从未教过这些），并学会了利用它们对我有利。成长永远不晚，尤其是在这一人生关键部分。
 
@GNX157
My Amazon Chase card is 18.49%, and a $39 late fee. I don’t know how people allow themselves to do it. In my 60+ years of life I’ve never paid a penny of interest on a credit card debt. My personality will just not allow it. Mortgage, car loans, yes, but never credit card.
 
我的亚马逊Chase卡利率是18.49%，还有39美元的滞纳金。我不明白人们怎么允许自己这样做。在我60多年的生活中，我从未在信用卡债务上支付过一分钱的利息。我的性格就是不允许。房贷、车贷是可以的，但绝对不信用卡。
 
@Bbfishman
this is not a secret.  everybody who puts money on a credit card tells themselves that they're going to pay it off before the interest kills them.  but if that was actually the case, credit card companies wouldnt be making billions of dollars.
 
这不是秘密。每个把钱放在信用卡上的人都告诉自己，他们会在利息毁了自己之前把钱还清。但如果真是这样，信用卡公司就不会赚到数十亿美元了。
 
@FredFlintstone-m2n
Why would credit card companies want to bankrupt consumers, they won’t get their millions of dollars in interest payments.
 
信用卡公司为什么要让消费者破产呢？他们不会从中得到数百万美元的利息收入。
 
@teng029
None of this is rocket science. The premise of credit cards has always been to cost you money. You either understand that going in, or you don’t. If you are part of the former, then you’ll be fine using credit cards. If you’re part of the latter, then you’re screwed. In the end, having a credit card is a personal choice. It’s also a personal choice to educate yourself on the realities of having one.
 
这一切都不是火箭科学。信用卡的前提一直是要让你花钱。你要么了解这一点，要么不懂。如果你属于前者，那么使用信用卡就没问题。如果你属于后者，那就完蛋了。最终，拥有一张信用卡是个人选择。了解拥有信用卡的真实情况也是个人选择。
 
@saffrons12
I am not buying anything these days: Pay bills, groceries, utilities and then save anything (not much) that is left. I refuse to fund and perpetuate corporate greed and if our government is going to be complicit in facilitating corporate america fleecing us, I'm just going to opt out altogether.
 
最近我什么都不买：支付账单、买杂货、缴水电费，然后存下剩下的（不多）。我拒绝资助和延续企业贪婪，如果我们的政府要帮着企业美国剥削我们，那我就完全选择退出。
 
@mamotalemankoe3775
That bit about being charged interest on the whole when you've paid off most of the principle is ridiculous. How is that legal?
 
关于你已经还清大部分本金，却还要为整个余额支付利息的事真是荒谬。这怎么可能合法呢？
 
@Johnrl21
These people realize they don’t have a gun to their head to spend right?  They could just, ya know, not do it.
 
这些人意识到他们没有被迫消费吧？他们可以选择不做。
 
@derekcaan7686
If you understand how these cards work - you can really use them to your advantage, trouble is most people are not financially literate
 
如果你了解这些卡的运作方式——你真的可以将它们用作对自己有利的工具，问题是大多数人并没有金融素养。
 
@danmcmahan8170
I collect Credit Card Debt for a major bank and have watched the patterns of problem debt, it comes down to 2 things 1) lack of basic life skills training in high school 2) FOMO. I am old enough to retire and would be happy if Americans acted in a way that put me out of a job but it will not happen. This is NOT the bank’s fault!
 
我为一家大银行收集信用卡债务，观察到问题债务的模式，归结为两点：1）高中没有基本的生活技能培训；2）错过的恐惧（FOMO）。我已经老到可以退休，如果美国人能以一种让我失业的方式行事，我会很高兴，但这不会发生。这不是银行的错！
 
@daniellekbingham1104
I had 2 store cards in my life. I paid more interest for those than any other credit card. Ditched those; I refuse any offer for a store card. They are a financial trap. Only major credit cards now, and I pay them off each month.
 
我一生中有过两张商店卡。我为它们支付的利息比其他任何信用卡都要多。扔掉了这些；我拒绝任何商店卡的优惠。它们是一个财务陷阱。现在只用主要的信用卡，并且我每月都还清它们。
 
@DonSchultz-e7e
I decided to fix my finances here. Got sick of my credit score ruining my life.I went in to my credit report and called everyone I owed to and made a payment plan to pay back in 6 Months. Felt awesome. Also with calling them I removed the block on them. I'm 50 and want to live life stress free since I have health issues. I also now go by only spending on things I really need. Also my motto is you can't take your possessions with you when you pass so buying certain things is not worth it.
 
我决定在这里解决我的财务问题。受够了我的信用分数毁了我的生活。我查看了我的信用报告，打电话给我欠钱的每个人，并制定了6个月内还清的付款计划。感觉真棒。通过打电话，我还解除了它们的封锁。我已经50岁了，希望能无忧无虑地生活，因为我有健康问题。我现在也只花钱在真正需要的东西上。我的座右铭是：你死后不能带走你的财物，所以买某些东西是不值得的。
 
@EntertainingVideos-4U
Credit card companies have lobbied to make a bankruptcy more difficult for the consumer.... pile that onto the heap as well
 
信用卡公司游说让消费者申请破产变得更加困难……把这一点也加进去吧。
 
@davidcarlin3850
Credit card users need to play the game correctly and not be ignorant.  Pay off the credit card in full before 30 days, and pick a no annual fee card.  A credit card is a temporary means of purchasing until you get paid but only in the short term .
 
信用卡用户需要正确地玩这个游戏，而不是无知。30天内全额还清信用卡，并选择没有年费的卡。信用卡是短期购买工具，直到你拿到工资，但仅限短期。
 
@jaymacpherson8167
Credit card interest rates rose substantially during the 2008 Great Recession. None of the widely used cards’ rates have returned to what they were before 2008. So from my perspective, the creeping up these last few years is not the primary issue. To me the primary issue is that the financial sector’s sub-prime mortgage practices that caused the Great Recession is being leveraged by…the financial sector.
 
信用卡利率在2008年大萧条期间大幅上升。没有一张广泛使用的卡的利率回到2008年前的水平。所以从我的角度来看，过去几年利率的逐渐上升不是主要问题。对我来说，主要问题是导致大萧条的金融部门次贷做法，现在仍然被……金融部门利用。
 
@Michael_Thomas134
I was stupidly in my youth, owed more than I could pay these folks just kept sending me more credit cards, so I filed bankruptcy and none of them got paid.
 
我年轻时愚蠢，欠了比我能还的更多的钱，那些人一直给我发更多的信用卡，于是我申请了破产，结果他们一个都没得到偿还。
 
@champagnebulge1
The female reporter makes the totally accurate point that she's a CNBC analyst so she knows what to look out for when engaging with retail credit cards. Most people are not that savvy. Call it snobby if you want but let's be real.
 
这位女记者完全正确地指出，她是CNBC分析师，所以她知道在使用零售信用卡时需要注意什么。大多数人并没有那么精明。你可以说这有点傲慢，但我们得现实一点。
 
@iceman4660
This has been used in the UK for decades. As the saying goes there is no  such thing as a free lunch.
Someone has to pay and it won't be the companies.
The best approach is to only buy what you can afford at that time. If you choose to go down the 0% route then you must be a disciplined person
 
这在英国已经使用了几十年。正如谚语所说，世上没有免费的午餐。总得有人付钱，而不会是公司。最好的方法是只购买你此时能负担得起的东西。如果你选择走0%利率的路，那你必须是一个有纪律的人。
 
@michaelsheridan9741
Apparently because I don’t have what everyone else has I’m not living a decent life in this country. Good to know my life isn’t decent
 
显然因为我没有别人有的东西，我在这个国家就不算过得体面。很高兴知道我的生活不体面。
 
@BrandonHinds-vm2ez
There are 2 advantages to using a credit card rewards are 1 and 2 you can prove to lenders that u are responsible with money and loan payments wen you are ready to get loans for bigger things like house etc. Having a credit card is not to spend money that u don’t know how u are paying back , its about spending what you know you can pay back . Ppl who are responsible with money have no problem with credit cards !!!
 
使用信用卡有两个好处，第一是奖励，第二是你能向贷款机构证明你能负责任地管理钱财和贷款支付，当你准备申请更大贷款，比如房贷等。拥有信用卡不是用来花你不知道怎么还的钱，而是用来花你知道能还的钱。负责任的人在使用信用卡时不会有问题！
 
@hudsonfrank1121
A lot of people forget when they're barrowing money it's the bank's money not theirs. Many people do not understand this and frequently spend outside their monthly income. If you treat your credit card like a debit  card and only put transactions on there you know you already have the funds for you'll be fine. Borrowing money to get out of debt is a terrible idea yet many do it.
 
很多人忘记了，当他们借钱时，那是银行的钱，而不是他们自己的。很多人不了解这一点，经常超出月收入消费。如果你把信用卡当成借记卡，只在你已经有资金的情况下进行消费，你就没问题。借钱来摆脱债务是个糟糕的主意，但很多人还是这么做。
 
@manwithnoname3454
Simple rule. Time barred debt. Max those cards out. In most states if you don't pay the balance, after 6 months the debt is time barred and you don't have to pay it. Then lock up your credit rating and claim id theft. Be sure to have no debts other than the cards. Wells Fargo ate $15k. Bankrupt these greedy grifting banks.
 
简单规则。过期债务。把那些卡刷爆。在大多数州，如果你不还款，6个月后债务会过期，你就不需要还钱。然后锁住你的信用评分并声称身份盗窃。确保除了卡债之外没有其他债务。富国银行损失了1.5万美元。破产这些贪婪的银行。
 
@miyakawaso
The practice that gets me is allowing autopay for minimum credit card payments. If consumers had to fully reckon with their increased interest charges each month there'd be a lot less debt.
 
让我困惑的是允许自动支付最低信用卡还款。如果消费者每个月都得完全承担增加的利息费用，债务就会少得多。
 
@blueee_pineappl3s
It's because people who sign up for the cards have no control over their spending and don't know how they work.
 
因为那些申请信用卡的人没有控制自己的消费，也不知道它们是如何运作的。
 
@fredhadley739
For a financial reporter to say a young person needs to use credit to have a decent life is STUPID. IF a young person can make minimum payments, he/she would be far better off saving for the purchase rather than financing. Debt should not be the norm. FOMO should not be a thing. There is no sofa, vacation, dinner out, etc., that is worth going into debt.
 
一个金融记者说年轻人需要使用信用卡才能过得体面，这真是蠢。如果一个年轻人能支付最低还款，他/她还不如存钱去购买，而不是融资。债务不应该是常态。FOMO（错失恐惧症）不应该成为问题。没有什么沙发、假期、外出就餐等值得为此负债。
 
@LFMcD
You have to pay a credit card off monthly or you will be in debt in no time. If you dont have the money, dont buy. The inability to understand a want and a need is the cause of debt. If they still had Home Economics classes in schools, money management is one of the main things taught.
 
你必须每月还清信用卡，否则很快就会陷入债务。如果你没有钱，就不要买。无法分辨欲望和需求是债务的根源。如果学校还开设家庭经济学课程，理财管理是其中的主要内容之一。
 
@HonuFlight
Are we seriously blaming credit card companies for irresponsible usage? DO NOT buy things you can't afford. Pretty simple concept.
 
我们真的要把信用卡公司对不负责任的使用负责吗？不要买你买不起的东西。这个概念很简单。
 
@duaynecollins9994
Just paid off my last card end of last year. I will never get another credit card again. It’s a scam. Save 10% of something you didn’t really need, at 36% interest.
 
我在去年年底还清了最后一张信用卡。我再也不会办信用卡了。这是个骗局。为了省下10%的你根本不需要的东西，付36%的利息。
 
 
@feamatar
I find it a laughable concept that a poor man needs a credit card to live a decent life in any country. If day-to-day purchases require a credit card that will eventually lead to homelessness not to a decent life.
 
我觉得一个穷人需要信用卡才能在任何国家过体面的生活，这个概念真是可笑。如果日常消费需要信用卡，最终会导致无家可归，而不是过上体面的生活。
 
@amberstephens6167
I work in retail and the store is number 1 but I always let the customer know that the store card is a credit card and if they want to apply for it to let me know. I never want the customer to fill like they have sign up for a store card.
 
我在零售业工作，店里是第一名，但我总是让顾客知道，店铺卡是一张信用卡，如果他们想申请，告诉我一声。我从不想让顾客觉得他们必须申请店铺卡。
 
@SamiUddin13
Everytime I use my credit card, I make sure I have the money ahead of time so I don't end up in debt. And once the balance hits the credit card account, I pay it off immediately to increase my credit score.
 
每次我使用信用卡时，我都会确保提前有足够的钱，这样就不会陷入债务。一旦信用卡账户上有余额，我立即还清它，以提高我的信用评分。
 
@goldwinger5434
The way to avoid credit card problems is to avoid credit.  I use a card for everything for convenience.  However, I pay that card off every payday.
 
避免信用卡问题的方法就是避免使用信用。为了方便，我所有消费都用信用卡，但我每到发薪日就还清账单。
 
@drplando14
I love to shop so I use the card to pay for gas, groceries, restaurants, etc. and get the points. As soon as the transaction goes through I pay off the card so I never carry a balance. They also have promotions for extra points so I get those too. A few months ago I had about three hundred dollars worth of points so I go shopping and never go over my points. All my clothes are essentially free because all I pay is about $2 for the tax.
 
我喜欢购物，所以用信用卡支付加油、买菜、吃饭等，顺便赚积分。交易一完成我就还清账单，从不留余额。他们还有额外积分促销，我也会参加。几个月前我有三百美元的积分，就用积分去买东西，从不超出积分额度。我的衣服基本上都是免费的，我只付大约2美元的税。