另一张使我在任何一定利率的正平衡下赚取利息。如果我锁定在一个更长的时间内锁定更多的数量，银行付我利息。

Another lets me earn interest on any positive balance at a rate Banks would only offer if I locked in a far higher amount for a far longer time.

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然而，该战略也有一定的局限性，包括限制消费者每年只能购买一张这样的卡片。

There are some limitations, however, including limiting consumers to just one such card purchase per year.

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这些信息不一定只是文字，可以是一张图片、一个心情、一个印象。

These messages aren't necessarily just words, they're images, a mood, an impression.

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