據(jù)美國(guó)全國(guó)廣播公司財(cái)經(jīng)頻道（CNBC）2月3日?qǐng)?bào)道，在美聯(lián)儲(chǔ)上周再次加息后，信用卡年利率已經(jīng)接近20%。與此同時(shí)，越來(lái)越多的美國(guó)民眾依靠信用卡來(lái)支付日益昂貴的生活必需品，而高通脹和利率上升對(duì)他們來(lái)說(shuō)是雪上加霜。

信用報(bào)告機(jī)構(gòu)環(huán)聯(lián)最新季度報(bào)告顯示，美國(guó)信用卡債務(wù)總額在2022年底達(dá)到創(chuàng)紀(jì)錄的9306億元，同比增長(zhǎng)18.5%，平均信貸余額上升至5805美元。報(bào)道摘編如下：

For most Americans, inflation and rising interest rates are a one-two punch.
對(duì)于大多數(shù)美國(guó)人來(lái)說(shuō)，通貨膨脹和利率上升是雙重打擊。

On the heels of another rate hike by the Federal Reserve, credit card annual percentage rates are already near 20%, on average, and set to climb even higher. At the same time, more consumers are leaning on credit to afford increasingly expensive necessities, like food and rent.
在美聯(lián)儲(chǔ)再次加息之后，信用卡年利率已經(jīng)接近20%，并將進(jìn)一步攀升。與此同時(shí)，越來(lái)越多的消費(fèi)者依靠信貸來(lái)支付日益昂貴的必需品，如食品和房租。

That helped propel total credit card debt to a record $930.6 billion at the end of 2022, a 18.5% spike from a year earlier, according to the latest quarterly report by TransUnion.
根據(jù)信用報(bào)告機(jī)構(gòu)環(huán)聯(lián)最新季度報(bào)告，受以上因素影響，美國(guó)信用卡債務(wù)總額在2022年底達(dá)到創(chuàng)紀(jì)錄的9306億元，同比增長(zhǎng)18.5%.

The average balance rose to $5,805 over that same period, TransUnion found.
環(huán)聯(lián)發(fā)現(xiàn)，同期平均信貸余額上升至5805美元（約合人民幣39636元）。

At nearly 20%, if you made minimum payments toward this average credit card balance, it would take you more than 17 years to pay off the debt and cost you more than $8,213 in interest, Bankrate calculated.
據(jù)金融利率發(fā)布平臺(tái)“銀行利率”（Bankrate.com）網(wǎng)站的計(jì)算，如果以接近20%的比例支付信用卡平均信貸余額的最低還款額，需要超過(guò)17年時(shí)間才能還清債務(wù)，并支付超過(guò)8213美元（約合人民幣56080元）的利息。

“Whether it’s shopping for a new car or buying eggs in the grocery store, consumers continue to be impacted in ways big and small by both high inflation and the interest rate hikes implemented by the Federal Reserve,” said Michele Raneri, vice president of U.S. research and consulting at TransUnion.
環(huán)聯(lián)美國(guó)研究和咨詢部副總裁米歇爾·拉內(nèi)里說(shuō)：“無(wú)論是購(gòu)買新車還是在雜貨店購(gòu)買雞蛋，消費(fèi)者多多少少都會(huì)繼續(xù)受到高通脹和美聯(lián)儲(chǔ)加息政策的影響。”

Overall, an additional 202 million new credit accounts were opened in the fourth quarter, led by originations among Generation Z, or adults ages 18 to 25, and the tally of total credit cards hit a record 518.4 million.
總體而言，美國(guó)第四季度新增2.02億個(gè)新信用賬戶，主要是Z世代（18至25歲）成年人。與此同時(shí)，信用卡總數(shù)創(chuàng)紀(jì)錄達(dá)到5.184 億。

來(lái)源：CNBC
編輯：董靜，李蕙帆（實(shí)習(xí)）