The United States is a big consumer of credit cards, and almost nothing is bought without credit cards. Credit cards have many advantages, but cash is only used to pay for small commodities, so few people will lose a lot of cash. People carry their credit cards with them, so it's convenient to withdraw cash without withdrawing money from their accounts. In addition, make a phone call and tell the other person your credit card number, and you can spend it without leaving home. Compared with cash, paying cash is simpler and faster. Nevertheless, using credit cards will bring a lot of trouble. If users don't pay back before the end of the month, they have to borrow money everywhere until they pay off the balance. Credit card interest is quite high, generally around 20%. Many Americans find it difficult to control their consumption behavior because they don't need to repay their credit cards within one month after consumption. PS: I won't translate the last two sentences. I look confused. I don't know if my translation is confused or the author's writing is confused. . . .

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