Often referred to as a business credit line, these short-term financing facilities come in a number of different forms. Some of which include bills of exchange, letters of guarantee, etc.

这些短期贷款，通常称作商业信贷限额，它有多种形式，其中包括汇票、保函等。

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And many families also keep a sizable amount of money in their savings account or continue to put money into their 401(k)s, while still carrying thousands of dollars in credit-card debt--even though dipping into savings and paying off their credit-card bills would guarantee them an immediate return on investment of 15% or 18%.

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Mr Davey told BBC News he couldn't guarantee all customers would see their bills cut, but the majority of people would benefit and it would be "easier" to get lower bills.

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Democrats opposing the legislation said it would guarantee a downgrade of the debt by suggesting the nation would be willing to pay some of its bills and not others.

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