據美國全國廣播公司財經頻道（CNBC）2月3日報道，在美聯儲上周再次加息后，信用卡年利率已經接近20%。與此同時，越來越多的美國民眾依靠信用卡來支付日益昂貴的生活必需品，而高通脹和利率上升對他們來說是雪上加霜。

信用報告機構環聯最新季度報告顯示，美國信用卡債務總額在2022年底達到創紀錄的9306億元，同比增長18.5%，平均信貸余額上升至5805美元。報道摘編如下：

For most Americans, inflation and rising interest rates are a one-two punch.
對于大多數美國人來說，通貨膨脹和利率上升是雙重打擊。

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.
在美聯儲再次加息之后，信用卡年利率已經接近20%，并將進一步攀升。與此同時，越來越多的消費者依靠信貸來支付日益昂貴的必需品，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.
根據信用報告機構環聯最新季度報告，受以上因素影響，美國信用卡債務總額在2022年底達到創紀錄的9306億元，同比增長18.5%.

The average balance rose to $5,805 over that same period, TransUnion found.
環聯發現，同期平均信貸余額上升至5805美元（約合人民幣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.
據金融利率發布平臺“銀行利率”（Bankrate.com）網站的計算，如果以接近20%的比例支付信用卡平均信貸余額的最低還款額，需要超過17年時間才能還清債務，并支付超過8213美元（約合人民幣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.
環聯美國研究和咨詢部副總裁米歇爾·拉內里說：“無論是購買新車還是在雜貨店購買雞蛋，消費者多多少少都會繼續受到高通脹和美聯儲加息政策的影響。”

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.
總體而言，美國第四季度新增2.02億個新信用賬戶，主要是Z世代（18至25歲）成年人。與此同時，信用卡總數創紀錄達到5.184 億。

來源：CNBC
編輯：董靜，李蕙帆（實習）