They found that the ratio of private credit to GDP rises by a median of 38 percentage points in the decade prior to a crisis, and drops by an equal amount in the decade after.

他们发现，个人信用对GDP的比率在危机前十年处于中间值位置，38%左右，危机后十年再降回相同的数值。

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A 1-percentage-point increase in their interest-rate margin, an increase in fees, an upfront payment and a 25% reduction in the amount that Ford can draw down on this line of credit.

提高1%的贷款利率，增加的酬金，提前预付的定金，还有福特可以下调25%的最高信用额度。

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But most credit card holders have substantial balances remaining on their accounts, which means the bank or credit card company can legally add a percentage of that balance to the total amount owed.

但是绝大多数信用卡消费者在他们的账户里都有拖欠款项，这意味着银行或信贷机构可以依法在拖欠总额之上追加以欠款为基准的一定比例的款项。

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Pay down as much of your credit card debt as possible and avoid closing credit cards because what matters is the amount you owe as a percentage of your total amount of credit.

FORBES: 10 Steps to Repair, Rebuild, and Protect Your Credit

This barometer will measure the amount of revolving credit and, in percentage terms, the increase or decrease of that number.

FORBES: Check Out These Indicators Before You Invest In Credit Card Companies