研究顯示，澳大利亞的很多人經(jīng)濟狀況堪憂，積累了很多他們無法承擔的信用卡債。
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)報道，澳洲人使用信用卡上癮，信用卡債務已超過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.
最近的債務飆升是消費者在圣誕節(jié)期間過度消費造成的，僅12月一個月內(nèi)，澳洲人的信用卡債務就達到了280億澳元。目前，澳大利亞累計信用卡債務為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稱全國信用卡債務飆升與不斷增大的家庭支出壓力有直接的關系。她說：“信用卡是一種很方便的工具，但是不應該用作長期債務或者用于生活支出。”
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。金融對比網(wǎng)站女發(fā)言人Sally Tindall表示在信用卡總債務堪憂的同時，她也警告人們要避免陷入“債務循環(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)期間的高消費信用卡債務常常達到峰值，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)濟師Hans Kunnen 稱雖然信用卡債務總額上漲了，但是幅度和1.7%的通貨膨脹率差不多。他說：“沒錯，這是一個紀錄，它上漲的原因是物價也上漲了1.6%。”
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