在汽车借贷中,我们也看到了更高的拖延费用,信用卡债务,以及其他形式的消费债务,因为私房所有者不再能够利用房子的净值去偿还其他的债务。

We’ll also see much higher default rates on car loans, credit card debt, and other forms of consumer debt, because homeowners can no longer draw on their home equity to pay other debt.

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如果没有新的信用卡消费，最小偿付额度至少总包含利息，费用和1%的未清余额附加费。

But for new credit card customers the minimum repayment will always cover at least interest, fees and charges plus 1pc of the outstanding balance.

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而消费者不会关心、甚至不会注意到商家是否使用贝宝，因为信用卡公司针对商家的做法和收取的费用过去一直及没有涉及消费者。

And consumers, who have traditionally been shielded from credit card companies' vendor fees and practices, may not care, or even notice, whether vendors use PayPal.

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