You’ve paid an overdraft fee in the last 12 months.
过去一年你已经支付过透支费了。
If money is so tight that you have to rely on overdraft protection in order to float your lifestyle, you’re living beyond what you can afford. Period.
手头有点紧,不得不靠着透支保护来继续这一生活方式,那么你目前已经入不敷出了。
You’ve exceeded your credit limit.
你已经超了信用卡额度
Exceeding your credit limit doesn’t just cost you in over-limit fees.
超额使用不仅仅要交付超额费。
Because your credit score is based largely on your debt-to-utilization ratio, your credit score is lowered when your credit balances are high and it signals to lenders that you’re in over your head.
由于你的信用额度很大程度上基于你的资产负债率,一旦超额使用,你的信用就会降低,银行会认为这意味着你入不敷出了。
If you are approved for new lines of credit—including a home mortgage—your future interest rates will be sky high.
如果你申请新的信贷,包括房屋按揭,你将来的利息税就会超高。
You’re in debt but you pay someone to do a job you could do yourself.
尽管负债,你还是花钱请人来做那些力所能及的小事
Are you too busy to clean your house, walk your dog, mow your lawn, or manicure your nails?
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