美国信用卡债务创历史新高, 年复一年上升8%, Americans' credit card debt reached a record high, up 8% year-over-year, despite rate cuts.

美国的信用卡债务创下了历史新高, 三个月内增加了240亿美元, Americans' credit card debt hit a record high, increasing $24 billion over three months, an 8% jump from last year, despite Federal Reserve interest rate cuts. 由于美联储的基准利率仍然很高,信用卡利润率上升,因此信用卡利率仍然接近20.35%的创纪录高水平。 Credit card interest rates remain near record highs at 20.35%, due to the Fed's benchmark rate still being high and credit card margins rising. 专家预测利率将逐步下降,但通货膨胀或较高的犯罪率可能会减缓这一下降速度。 Experts predict a gradual decrease in rates, but this could be slowed by inflation or higher delinquency rates.