美國人比以往更依賴于信用卡的使用，信用卡負(fù)債水平也隨之創(chuàng)下新高，引發(fā)了人們對(duì)未來潛在經(jīng)濟(jì)問題的擔(dān)憂。

據(jù)美聯(lián)儲(chǔ)發(fā)布的數(shù)據(jù)，11月份以信用卡負(fù)債為主的美國循環(huán)性信貸規(guī)模增加了112億美元，達(dá)到1.023萬億美元。比起2008年4月房市和信貸泡沫破滅時(shí)創(chuàng)下的記錄，這個(gè)數(shù)字還要更高一些。

同時(shí)，信用卡的違約也開始增加。去年，存在拖欠還款現(xiàn)象的信用卡比例從7%上漲到7.5%。信貸策略師表示，雖然這個(gè)數(shù)字遠(yuǎn)低于金融危機(jī)爆發(fā)前的15%，但是也構(gòu)成了一個(gè)預(yù)警信號(hào)。

不過，現(xiàn)在就業(yè)人數(shù)和收入都處于上漲態(tài)勢，帶來利好，短期內(nèi)不會(huì)出現(xiàn)經(jīng)濟(jì)衰退現(xiàn)象。瑞銀分析師斯蒂芬·卡普里奧告訴《今日美國》當(dāng)前信用卡負(fù)債占美國國內(nèi)生產(chǎn)總值的5%，而2008年這個(gè)數(shù)字是6.5%。

然而，他警告我們不要掉以輕心。不管是勞動(dòng)力市場還是總體經(jīng)濟(jì)出現(xiàn)疲勢，都會(huì)大大加深信用卡負(fù)債問題的嚴(yán)重程度。（財(cái)富中文網(wǎng)）

譯者：陳亞芬/汪皓?

Americans are using their credit cards more than ever, resulting in record levels of debt—and raising concerns about potential economic problems in the future.

The Federal Reserve says revolving credit in November (which largely consists of credit card debt) hit $1.023 trillion, an $11.2 billion increase. That’s slightly higher than the previous record set in April 2008, right before the housing and credit bubbles burst.

We’re not getting any better at paying off those bills, either. Credit card delinquencies in the past year have jumped from 7% to 7.5%. That’s notably lower than the 15% rate hit before the financial crisis, but could be an early warning sign, say credit strategists.

The good news is both jobs and incomes are on the rise right now, which means a financial downturn isn’t imminent. UBS Credit Strategist Stephen Caprio tells USA Today that the ratio of credit card debt to U.S. gross domestic product is about 5%, compared with 6.5% in 2008.

But, he cautions, a turn in either the labor market or overall economy could make the issue of credit card debt a major one.