研究顯示，澳大利亞的很多人經(jīng)濟(jì)狀況堪憂，積累了很多他們無法承擔(dān)的信用卡債。
AUSTRALIANS are addicted to credit cards and have racked up the biggest ever debt on plastic at more than $52 billion. And the alarming new statistics released by the Reserve Bank of Australia found our record credit card blowout is far from slowing down.
據(jù)報(bào)道，澳洲人使用信用卡上癮，信用卡債務(wù)已超過520億澳元，打破記錄。澳大利亞儲備銀行發(fā)布的最新數(shù)據(jù)顯示，我們的信用卡債務(wù)完全沒有要減少的跡象。
The latest jump was fuelled by shoppers overspending at Christmas after they accumulated a record high on plastic for the month of December by plonking $28 billion onto credit. Australians now owe $52.06 billion on cards — a climb of 1.6 per cent from December 2015 when the nation owed a whopping $51.26 billion.
最近的債務(wù)飆升是消費(fèi)者在圣誕節(jié)期間過度消費(fèi)造成的，僅12月一個(gè)月內(nèi)，澳洲人的信用卡債務(wù)就達(dá)到了280億澳元。目前，澳大利亞累計(jì)信用卡債務(wù)為520.6億澳元，與2015年12月總額相比上漲了1.6%。
Yellow Brick Road spokeswoman Lyndsey Douglas said the soaring national credit card debt was directly "linked to growing household spending pressures." "Credit cards are a convenient tool but they shouldn’t be used as long-term debt or for living expenses." she said.
Yellow Brick Road 女發(fā)言人Lyndsey Douglas稱全國信用卡債務(wù)飆升與不斷增大的家庭支出壓力有直接的關(guān)系。她說：“信用卡是一種很方便的工具，但是不應(yīng)該用作長期債務(wù)或者用于生活支出?！?
Some cards attract interest rates higher than 20 per cent for customers so for those who fail to pay off their card in full they will pay a hefty price. Financial comparison website spokeswoman Sally Tindall said while the overall debt on cards was a concern she warned people to avoid getting trapped in a "debt cycle."
有些信用卡向客戶收取高于20%的利息，所以那些不能全額還款的人們將為此付出昂貴的代價(jià)。金融對比網(wǎng)站女發(fā)言人Sally Tindall表示在信用卡總債務(wù)堪憂的同時(shí)，她也警告人們要避免陷入“債務(wù)循環(huán)”。
"People are continuing to use plastic more and more and in December it often spikes when they are spending up at Christmas time and they are choosing plastic as a method of payment." she said.
她說：“人們正越來越多地使用信用卡，在12月由于圣誕節(jié)期間的高消費(fèi)信用卡債務(wù)常常達(dá)到峰值，人們會選擇刷信用卡作為一種支付方式。”
"We are relying on credit cards more and more and that’s OK if you are paying it off in full. However the amount on cards accruing interest is down from a high of about $37 billion to about $32.1 billion."
“我們越來越依賴信用卡，如果你可以還清卡債的話，這并沒有問題。然而銀行卡產(chǎn)生利息的金額已經(jīng)從大約370億降到了321億?！?
On a $5000 card debt with an average interest rate of about 18 per cent, by making the minimum monthly repayments it would cost a customer more than $17,100 in interest and take them 33 years to pay off.
如果一個(gè)用戶有五千澳元的卡債，利率為平均利率18%，每月按最低金額還款，總利息將超過17100澳元，要花33年時(shí)間才能還清。
St George senior economist Hans Kunnen said while credit card debt had risen they were climbing at a similar rate to inflation which is 1.7 per cent. "Yes it’s a record, the reason it’s gone up is because prices have gone up about 1.6 per cent as well." he said.
圣喬治銀行的高級經(jīng)濟(jì)師Hans Kunnen 稱雖然信用卡債務(wù)總額上漲了，但是幅度和1.7%的通貨膨脹率差不多。他說：“沒錯(cuò)，這是一個(gè)紀(jì)錄，它上漲的原因是物價(jià)也上漲了1.6%?！?
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