办信用卡的优缺点_BEC初级作文_BEC初级-查字典英语网

办信用卡的优缺点

每次你使用信用卡——或者任何形式的债务——你都是在从你还没有赚到的钱中借钱。如果你想保护你的信用额度，你未来收入的一部分必须用于偿还你的信用卡余额。

#3. The terms can be confusing.

#3. 有些条款可能会让人困惑。

A person who's not used to reading credit card agreements can easily be confused by the phrasing and the jargon. Understanding credit card terms is important to use the credit card in a way that doesn't put you at risk of fees.

一个不习惯阅读信用卡协议的人很容易被措辞和行话弄糊涂。了解信用卡条款对使用信用卡来说是很重要的，能够帮助你规避风险。

#4. Fees and interest can be expensive.

#4. 费用和利息可能很贵。

Depending on the credit card and how you use it, your credit can cost hundreds of dollars over the course of a year. This is why understanding the credit card terms is so important – so you know how to avoid credit card fees.

根据信用卡的不同以及你使用它的方式，你的信用卡在一年的时间里可能要花费数百美元。这就是为什么理解信用卡条款是如此重要——这样你就知道如何避免信用卡产生的费用。

#5. Potential for debt.

#5. 潜在的债务。

You create debt each time you use your credit card. You can keep the debt from growing by paying off your balance each month, but if you only pay the minimum and keep making purchases, your debt will grow.