銀率網(wǎng)（Bankrate）最新調(diào)查顯示，目前美國(guó)50%的信用卡用戶背負(fù)卡債。通脹和高利率等因素導(dǎo)致美國(guó)家庭難以維持收支平衡，更加依賴信用卡，全美的信用卡債務(wù)激增。

Economic factors like inflation and interest rates are making it hard for some Americans to make ends meet, survey data shows. More people are carrying debt on their credit cards than they have since the early pandemic days.
調(diào)查數(shù)據(jù)顯示，通貨膨脹和利率等經(jīng)濟(jì)因素使一些美國(guó)人難以維持收支平衡。自疫情初期以來(lái)，背負(fù)信用卡債務(wù)的美國(guó)人比以往任何時(shí)候都多。

Fifty percent of credit cardholders carry debt from month to month. That’s up from 44 percent in January and is the highest figure Bankrate has observed since March 2020.
50%的信用卡持有人每月都有卡債，比今年1月的44%有所上升，是2020年3月以后銀率網(wǎng)觀察到的最高紀(jì)錄。

“High inflation and high interest rates have eroded Americans’ savings and more people are carrying more debt for longer periods of time,” says Ted Rossman, Bankrate senior credit card analyst.
銀率網(wǎng)高級(jí)信用卡分析師泰德·羅斯曼稱：“高通脹和高利率侵蝕了美國(guó)人的儲(chǔ)蓄，更多的人在更長(zhǎng)的時(shí)間內(nèi)背負(fù)著更多的債務(wù)。”

“Since the beginning of 2021, credit card balances have been off to the races. According to Federal Reserve data, Americans owe 45 percent more now on their credit cards than they did in early 2021. And the credit card delinquency rate is at its highest point since 2011,” he continues.
“自2021年初以來(lái)，美國(guó)人的信用卡欠款余額一直在攀升。根據(jù)美聯(lián)儲(chǔ)數(shù)據(jù)，美國(guó)人現(xiàn)在的信用卡欠款比2021年初多45%。信用卡拖欠率處于2011年以來(lái)的最高點(diǎn)。”

The length of time cardholders are carrying debt may be a sign balances have become more difficult to pay off. Three in 5 of those with credit card debt (60 percent) have been in credit card debt for at least a year, up from 50 percent in 2021.
持卡人背負(fù)債務(wù)的時(shí)間長(zhǎng)度可能表明欠款余額變得越來(lái)越難以償還。五分之三（60%）的信用卡債務(wù)持卡人已經(jīng)負(fù)債至少一年，高于2021年的50%。

The survey data shows that Americans feel the economy isn’t helping their debt situation.
調(diào)查數(shù)據(jù)顯示，美國(guó)人覺(jué)得美國(guó)的經(jīng)濟(jì)現(xiàn)狀無(wú)助于緩解他們的債務(wù)狀況。

About a third (34 percent) of credit card debtors say inflation has made their credit card debt burdens worse since the beginning of 2022, which is when the Fed started raising interest rates to counteract increasing inflation.
大約三分之一（34%）的信用卡債務(wù)人表示，自2022年初美聯(lián)儲(chǔ)開(kāi)始激進(jìn)加息以抑制通脹以來(lái)，通貨膨脹使他們的信用卡債務(wù)負(fù)擔(dān)更加沉重。

A similar share (32 percent) say high interest rates have made their credit card debt burdens worse since the beginning of 2022.
相似比例（32%）的信用卡債務(wù)人表示，自2022年初以來(lái)，高利率使他們的信用卡債務(wù)負(fù)擔(dān)更加沉重。

Roughly one in four Americans with credit card debt (24 percent) feel less confident in their ability to get out of credit card debt now than they did at the beginning of 2022. Furthermore, about one in six (17 percent) worry they might not be able to make their minimum credit card payments at some point in the next six months.
與2022年初相比，約四分之一（24%）背負(fù)信用卡債務(wù)的美國(guó)人對(duì)還清卡債的信心下降。約六分之一（17%）的債務(wù)人擔(dān)心他們可能在未來(lái)半年內(nèi)出現(xiàn)無(wú)力支付最低還款額的情況。

英文來(lái)源：銀率網(wǎng)

編輯：董靜

審校：齊磊 陳丹妮