信用卡(credit card)是由銀行發行的卡，持卡人可以憑卡賒購(buy on credit) 商品和服務。使用信用卡最大的好處就是能給持卡人帶來極大的方便。人們可以 使用信用卡賒購他們需要的東西，并在一段時期內付淸欠款,而不必隨身攜帶大量的現金。但如此的便利也帶來了一些問題，如惡意透支(malicious overdraft)。還會剌激使用者超前消費，容易產生月光族。在消費的時候，使用信用卡會促使消費者更加沖動地購物，甚至購買一些平時不怎么用的商品。
A credit card is a card issued by a bank,allowing its holder to buy goods and services on credit.The most obvious advantage of credit card is the huge convenience it brings to card holders.People can use the cards to buy what they want on credit and pay off the debt over a period of time instead of carrying a large sum of cash with them.But such convenience also brings such problems as malicious overdraft and overconsumption which will easily reduce the card users to“moonlight group”.When shopping,consumers with credit cards will buy goods more impetuously.They will even buy something that is not often used in daily life.
1.賒購商品和服務:賒購可用短語buy...on credit來表達。故此處可譯為buy goods and services on credit。
2.最大的好處:“大的好處”即“明顯的好處”，故此處可譯為the most obvious advantage。其中obvious意為“顯著的”。
3.但如此的便利也帶來了一些問題，如惡意透支…:可譯為But such convenience also brings such problems as malicious overdraft"其中，使用“such+n.+as...”這個結構可以達到清晰列舉事例的效果。例如，我們買了蘋果、香蕉、葡萄等水果，即We bought such fruits as apples,bananas,grapes,etc.