Martin Lewis警告英国有高达40%利息的透支比信用卡更危险, Martin Lewis warns UK overdrafts, with up to 40% interest, are riskier than credit cards and urges paying them off first.

马丁·刘易斯警告说,利率高达40%的透支比英国的信用卡更危险,尽管被视为更安全。 Martin Lewis warns that overdrafts, with interest rates up to 40%, are more dangerous than credit cards in the UK, despite being seen as safer. 他建议首先支付透支,即使这意味着只支付最低限度的信用卡付款。 He advises paying off overdrafts first, even if it means only making minimum payments on credit cards. Lewis建议在发薪日之前重新安排直接借项的偿还期,以避免超支,并警告未安排的透支或超过限额会损害信用。 Lewis recommends rescheduling direct debits before payday to avoid overspending and warns that unarranged overdrafts or exceeding limits can damage credit. 虽然负责任地使用安排的透支可能有助于建立信用,但在持续的生活费压力下,滥用造成了严重的财务风险。 While responsible use of arranged overdrafts may help build credit, misuse poses serious financial risks amid ongoing cost-of-living pressures.