因为利率只在你想要巩固未清偿的债务时才起作用，你有完全的自由来找一种卡片为你的情况服务。
Since interest rates only matter if you have existing debt that you're trying to consolidate, you have total freedom to find a card that works for your situation.
未清偿的债务成为较重的，因为价格和收入下降了20-50 ％ ，但债务仍维持不变美元数额。
Outstanding debts became heavier, because prices and incomes fell by 20–50% but the debts remained at the same dollar amount.
个人所负数额较大的债务到期未清偿的。
People who owe comparatively large amount of debt which is overdue.
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