由于拉美裔人的平均收入低于白人，可能在美国尚无使用信用卡的记录，因此他们并不总是符合申请利率最低、条款最优惠贷款的条件。

And because Latinos earn on average less than whites, and may not have a credit history in the United States, they are not always eligible for the most attractive interest rates and lending terms.

youdao

由于拉美裔人的平均收入低于白人，可能在美国尚无使用信用卡的记录，因此他们并不总是符合申请利率最低、条款最优惠贷款的条件。

And because Latinos earn on average less than whites, and may not have a credit history in the United States, they are not always eligible for the most attractive interest rates and lending terms.

youdao