明年生效的最新联邦法律将严格限制向年龄在21岁以下的人士发行信用卡。
A new federal law that takes effect next year tightens rules governing credit-card issuance for people under 21.
这条法规一直到(明年)二月份才能生效，这就给了信用卡商几个月的时间用尽办法来从客户身上压榨利润。
The rules don't go into effect until February, giving the companies months to squeeze profits out of you any way they can.
在这个条例产生效果以前，许多人还贷顺序是抵押贷款第一，信用卡第二。现在，许多借款人已经调转了这个顺序。
Before this regulation took effect, many people's priorities would have been mortgage first, credit card second; now, many borrowers have reversed the order.
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