由于收入要求较高和审批标准更严格,普通美国人获得的预付旅行信用卡更加困难。 Premium travel credit cards are harder for average Americans to get due to higher income requirements and stricter approval standards.

金融分析家认为,由于收入要求不断提高和审批标准更加严格,普通美国人越来越无法取得旅行信用卡。 Premium travel credit cards are becoming increasingly inaccessible to average Americans due to rising income requirements and stricter approval standards, according to financial analysts. 随着发行人收紧资格,符合资格的消费者减少,将这些福利转移给高收入个人。 As issuers tighten eligibility, fewer consumers qualify, shifting these benefits toward high-income individuals. 有些专家认为,这一趋势反映了更广泛的经济不平等,可能会限制金融包容性,而另一些专家则认为这是一种自然的市场调整。 Some experts argue this trend reflects broader economic inequality and may limit financial inclusion, while others suggest it’s a natural market adjustment. 这一转变引发了对这种卡片应保持排他性还是应更广泛地发放的辩论。 The shift has sparked debate over whether such cards should remain exclusive or be made more widely available.