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Credit Cards on Campus
校園里的信用卡
Most undergraduates in the United States last year had at least one credit card.
去年，大部分的美國大學生本科生每人至少擁有一張信用卡。
Half had four or more.
其中有半數人擁有四張以上的信用卡。
Borrowers who do not pay their card debt in full each month have to pay interest on whatever balance remains.
如果持卡人每月未還清卡上的所有債務，賬戶里的所有余額都將用來償還利息。
In a time of economic downturn,college students are depending on credit cards more than ever.
在經濟衰退時期，大學生比以往更依賴信用卡，
Many seem to use them to live beyond their means-to spend more than they have.
但其花費卻往往高于自己的實際收入水平。
However, a new law makes it harder for banks to give credit cards to people under 21.
然而，一項新法律讓銀行給21歲以下的人發信用卡的難度增大了。
To get a credit card, they need a parent or other adult over 21 to accept joint responsibility.
21歲以下的學生在申請信用卡時，必須要求其父母或是21歲以上的成年人接受連帶責任，
Or they need to show they can repay their debts independently.
或者他們能證明自己具有獨立還款的能力。
Also, schools are urged to consider limiting the number of places on campus where companies can market credit cards.
同時，學校也在加緊縮減銀行在校發放信用卡的名額，
And they are urged to offer credit card and debt education and counseling sessions to all new students.
并向所有新生提供加強信用卡或其他債務的相關教育和提供咨詢服務。
