銀率網（Bankrate）最新調查顯示，目前美國50%的信用卡用戶背負卡債。通脹和高利率等因素導致美國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.
調查數據顯示，通貨膨脹和利率等經濟因素使一些美國人難以維持收支平衡。自疫情初期以來，背負信用卡債務的美國人比以往任何時候都多。
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月以后銀率網觀察到的最高紀錄。
“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.
銀率網高級信用卡分析師泰德·羅斯曼稱：“高通脹和高利率侵蝕了美國人的儲蓄，更多的人在更長的時間內背負著更多的債務。”
“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，美國人的信用卡欠款余額一直在攀升。根據美聯儲數據，美國人現在的信用卡欠款比2021年初多45%。信用卡拖欠率處于2011年以來的最高點。”
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.
持卡人背負債務的時間長度可能表明欠款余額變得越來越難以償還。五分之三（60%）的信用卡債務持卡人已經負債至少一年，高于2021年的50%。
The survey data shows that Americans feel the economy isn’t helping their debt situation.
調查數據顯示，美國人覺得美國的經濟現狀無助于緩解他們的債務狀況。
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%）的信用卡債務人表示，自2022年初美聯儲開始激進加息以抑制通脹以來，通貨膨脹使他們的信用卡債務負擔更加沉重。
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%）的信用卡債務人表示，自2022年初以來，高利率使他們的信用卡債務負擔更加沉重。
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%）背負信用卡債務的美國人對還清卡債的信心下降。約六分之一（17%）的債務人擔心他們可能在未來半年內出現無力支付最低還款額的情況。
英文來源：銀率網
編輯：董靜
審校：齊磊 陳丹妮
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