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据美国全国广播公司财经频道(cnbc)2月3日报道,在美联储上周再次加息后,信用卡年利率已经接近20%。与此同时,越来越多的美国民众依靠信用卡来支付日益昂贵的生活必需品,而高通胀和利率上升对他们来说是雪上加霜。
信用报告机构环联最新季度报告显示,美国信用卡债务总额在2022年底达到创纪录的9306亿元,同比增长18.5%,平均信贷余额上升至5805美元。报道摘编如下:
for most americans, inflation and rising interest rates are a one-two punch.
对于大多数美国人来说,通货膨胀和利率上升是双重打击。
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.
在美联储再次加息之后,信用卡年利率已经接近20%,并将进一步攀升。与此同时,越来越多的消费者依靠信贷来支付日益昂贵的必需品,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% 1 from a year earlier, according to the latest quarterly report by transunion.
根据信用报告机构环联最新季度报告,受以上因素影响,美国信用卡债务总额在2022年底达到创纪录的9306亿元,同比增长18.5%.
the average balance rose to $5,805 over that same period, transunion found.
环联发现,同期平均信贷余额上升至5805美元(约合人民币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.
据金融利率发布平台“银行利率”(bankrate.com)网站的计算,如果以接近20%的比例支付信用卡平均信贷余额的最低还款额,需要超过17年时间才能还清债务,并支付超过8213美元(约合人民币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 2 by the federal reserve,” said michele raneri, 3 president of u.s. research and consulting at transunion.
环联美国研究和咨询部副总裁米歇尔·拉内里说:“无论是购买新车还是在杂货店购买鸡蛋,消费者多多少少都会继续受到高通胀和美联储加息政策的影响。”
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 4 of total credit cards hit a record 518.4 million.
总体而言,美国第四季度新增2.02亿个新信用账户,主要是z世代(18至25岁)成年人。与此同时,信用卡总数创纪录达到5.184 亿。
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