英语高手进来
TheUnitedStatesistrulythelandofthecreditcard.Americansusecreditcardstobuyaimosteveryyhing.Theuseofcredithasmanyimportantadvantages.Theuseofcashislimitedtothesmallestamount.Solessmoneywouldbestolen.Peoplecancarrytheircreditcardsandusetjeminsteadofmakingwithdrawalsofcashfromtheiraccounts.Peoplecanalsoplaceordersforpurchasesbyphoneandpeybygivingtheircreditcardnumber.Thisiseasierandfasterthanpayyingbycheck.
However,theuseofcreditcardsalsotroublesmanyAmericans.Ifacreditcardownerdoesnotpeyaiiofthemoneythatheowesattheendofthemonth,heisreallyborrowingthemoney.Untilherepaysaiiofit,therateofinterest,oftenabouttwentypercent,isveryhigh.Becausenopeymentisneededuntilonemonthafterthepurchase,manyAmericanshavetroublelimitingtheirpurchase.Whenthebillsfinallyarrive,theyseethattheydonothaveenoughmoney.Theresultpayments.