VOA英语学习网 > CNN > 2010年CNN新闻听力 > 2010年3月CNN新闻听力 >
缩小放大

CNN NEWS:解读信用卡新条例

[提示:]双击单词,即可查看词义!如果生词较多,请先学习:VOA慢速英语1500基础词汇
中英对照 听力原文

你自己的口袋里可以有更多的钱。这就是新新出台的信用卡管理条例的优势。最终,今天,这些新的条例终于实施了。你将从这些新的条例中获益。按照新的条例,将不再像过去一样按照信用卡中现存的月来计算利率,而只会按照你信用卡的额度来提高利率。他们不会再这样做。在提高利率的情况下,他们会提前45天通知。而且只适用于从收到通知以后发生的购买行为。

总的来说,这种做法每年每年将减少100亿美元的费用。但是,这意味着信用卡公司每年将损失数十亿美元,他们不会轻率地这样做的,所以一定要警惕一些陷阱,而且有些地方可能不适用新的条例。其中包括公司卡,小型企业使用的公司信用卡,这些条例只适用于消费者信用卡,而不适用公司卡,所以一定要记住这一点。还有延迟付款者,如果出现了两次延迟付款,那么,忘记这个条例吧,对你不适用。我的意思是,你再次遇到了麻烦,如果你延迟付款,他们有权收取你更高的费用。如果你是高风险借款者,你可能会被拒之门外。

他们不会放弃像过去一样向高风险借款者收取更高费用。这意味着,比如,如果你每个月大部分都依赖信用卡,你把它当作提款机,你用信用卡来支付家庭费用,用信用卡来支付所有费用,他们会寻找新的方法来向你收取费用。你可能要为你的所得支付更多,或者用同样的钱收到的回报更少,或者你可能要支付年费。所以,严重依赖信用卡的人最终还是要付出一点代价。

PHILLIPS:好的。为我们讲述一下你使用信用卡时遇到的麻烦。你读大学的时候有信用卡吗?

ROMANS:有。你呢?

PHILLIPS:我也有,不过没有持续很长时间。我那时候还不够成熟,不应该持有信用卡。我无力支付,我记得自己没钱充支票还款。你知道,18岁的时候学东西很快,但是现在情况发生了改变,大学生使用信用卡的情况应该也有所不同。

ROMANS:是的。看看他们。我不知道你的情况,但是我读大学的时候,买书的时候,书店提供信用卡服务。他们在前面摆了一张桌子,你知道,签信用卡的时候会赠送T恤衫。现在已经不允许这样了。现在21岁以下的人办理信用卡更加困难了。

你必须有一个信用良好的连署人。所以,如果你的父母没有很多钱,如果他们的信用不好,不能帮你读大学,你获得信用卡将更加困难。而在过去的纪念,许多人使用信用卡来帮助支付费用。你可以申请预付卡或提款卡。如果你有收入,如果你足够幸运已经满19岁,并拥有一份收入稳定的工作,你可以获得信用卡。但是太年轻的人最好不要使用信用卡。

我的意思是,有些孩子意识不到这是借来的钱。而借钱是很贵的,你必须偿还的。

PHILLIPS:因为父母为信用卡还款,这是你的第一个错误。父母不应该为孩子还款,让他们持有信用卡。这是两个不同的问题。

ROMANS:还有一些孩子申请了信用卡,而他们的父母并不知情。申请信用卡非常容易,你的父母甚至完全不知道。你知道,从学校毕业时,许多孩子在学校里就有3,000美元的信用额度。如果你没有工作,可以累积利率和费用。

所以,我们要促进有责任的信用卡借款行为。但是,对于那些希望信用卡来帮助自己完成学业的孩子来说,将更加困难。

PHILLIPS:好的,非常感谢。

You can expect to have more money stay in your own pocket. That's the point of all of these credit card new rules, and finally, they are here as of today. This is what the benefits should be for you. The design of it -- no rate heights on existing balances used to be. They could just raise your interest rate on the balance that it was sitting on your credit card. They are not going to do that anymore. They're going to have give you 45 days notice on any new rate hikes, and it will only apply to purchases you make from that point forward.

All and all, this is expected to save you, Kyra, about $10 billion annually, but what this means is there are billions of dollars in fees that the credit card companies are going to lose, and they are not going to do that very lightly, so watch out for some traps and also some places where you're going to be shout out from these new rules. Among them, company cards, small businesses that have a company card, this is for consumer credit. It's not for company cards, so remember that. Also late payers, if you are behind two payments, forget about it. I mean, you are in trouble again here, and they're going to have the right to charge you more to use their money if you are late, and if you are a risky borrower, you could be shut out altogether.

They're just not going to be able to get the fees off the risky borrows that they used to. That also means, Kyra, if you're one of these people who put a lot on your credit card every month, you use it as a cash management tool; you pay your household expenses; you paid it all off, they're going to find some new ways to try to get fees out of you. You will probably pay more for your rewards programs or probably get fewer rewards and you could pay an annual fee, so people who did it all right and were not messy with their credit, you could end up paying a little bit of a price, too.

PHILLIPS: All right. Talk about being messy with our credit, did you have a credit card when you were in college?

ROMANS: I did. Did you?

PHILLIPS: You did...Yes, I did, but it didn't last very long. That was one of those things that I just was not mature enough to handle. I could not keep up with it, and then I remember not being able to balance my checkbook, balling (ph) at the bank. You know, you learn quickly as an 18-year-old, but things are going to change now, I guess, right, for college students in credit cards?

ROMANS: They really are. Look, now. I don't know about you, but when I went to college, when I bought my books, in the books there were credit card offers. There was a table out front where they were handing out, you know, free T-shirts and sweatshirts to sign up for credit cards. That's not going to be allowed anymore. It's going to be much harder for somebody under 21 to get a credit card. No more of these campus inducements.

You might need a cosigner with good credit. So look, if your parents don't have a lot of money and they don't have good credit and they cannot help you go to college, you might have a harder time getting that credit card that a lot of people have used over the past few years to help with their expenses. You might need to get a prepaid card if you can or a debit card. It's just going to be harder overall to get a credit card. If you have income, if you are lucky enough to be 19 years old and have some kind of job that's giving you steady income, you will be able to get a credit card, but the idea here is to prevent people from charging up all this stuff very young.

I mean, some kids don't really have an idea that this is borrowed money, and it's expensive to borrow money, and you have to pay it off. Kids are...

PHILLIPS: Because parents are paying for those credit cards and that's your first mistake. Parents should not be paying for kids to have credit cards. That's a whole nother issue.

ROMANS: And other kids are getting credit cards and their parents don't even know about it. It was awful easy to get a credit card, and you're parents don't even know about it. You are graduated from school, you know, and this was -- you know, our Romans numeral today, more than $3,000 is what kids have in college have in their credit card balances right now. If you don't have a job, I mean, just racking up interest rates and fees.

So the idea here is to promote responsible borrowing of credit card, but for -- I will say that for some young people who need a credit card to help them through school and all those expenses, it's going to be more difficult.

PHILLIPS: Yes. All right. Christine, thanks so much.

 


内容来自 VOA英语学习网https://www.chinavoa.com/show-591-122157-1.html
Related Articles
内容推荐