无担保信贷：客户没有提供立即的有价信用担保的贷款。
Open credit: credit that is allowed without immediate proof of a customer's credit worthiness.
那些有信贷问题的持有者将不太可能获得无担保的卡，需要转入担保卡并且缴纳押金。
Those with credit problems will be less likely to get unsecured cards, and have to turn to secured cards, which require a deposit.
在过去的25年中，消费者在无担保的循环信贷上支付的平均总利率为13% - 19%。
Over the past 25 years, average gross interest rates that consumers pay on unsecured revolving credit lines range from 13% to 19%.
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