美国民众信用卡债务恶化 增长18.5%创新高

 

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% spike¹ 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 implemented² by the Federal Reserve,” said Michele Raneri, vice³ 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 tally⁴ 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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