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参考翻译:
A credit card is a card issued by a bank,allowing its holder to buy goods and services on credit.The most obvious advantage of credit card is the huge convenience it brings to card holders.People can use the cards to buy what they want on credit and pay off the debt over a period of time instead of carrying a large sum of cash with them.But such convenience also brings such problems as malicious overdraft and overconsumption which will easily reduce the card users to“moonlight group”.When shopping,consumers with credit cards will buy goods more impetuously.They will even buy something that is not often used in daily life.
