第三大因素被尼尔森成为“支付选项”，意思是预支服务的可行性，这项服务的使用对象是那些想节约钱的人以及那些信用不好的人。
The third factor was what Nielsen calls “payment options, ” meaning the availability of prepaid service, which is used by people who want to save money and those with bad credit.
美国人根本没有足够的钱来赎回预支出的抵押和信用卡债务。
Americans simply don't have enough money to pay back the mortgage and credit-card debt they've run up.
我们以前是预支差旅费，但自从公司使用信用卡后，就停止了。
We used to have cash advances, but the company stopped that when they started issuing CARDS.
技术债务类似于信用卡债务：您目前没有足够的资金，可以预支未来。
Technical debt resembles credit card debt: you don't have enough funds at the moment, so you borrow against the future.
信用卡还可以用来预支现金。
信用卡还可以用来预支现金。
他们甚至使用现在流行的信用卡来预支还没有赚到的钱。
Some even spend money they don't have yet with ever-popular credit CARDS.
他们甚至使用现在流行的信用卡来预支还没有赚到的钱。
Some even spend money they don't have yet with ever-popular credit CARDS.
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