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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% spike 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 implemented by the Federal Reserve,” said Michele Raneri, vice 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 tally 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。
来源：CNBC
编辑：董静，李蕙帆（实习）
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