考虑到基本利率只是下降了0.75%，很多信用卡费率也只是下降0.75%而已，这将有点帮助假如你有很高的信用卡贷款余额。

Since the prime rate just dropped by 0.75%, many credit card rates just dropped 0.75%, which will help a bit if you have a large credit card balance.

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了解您每一张的信用卡余额是否在你的卡上。

Know what your credit card balances are on each of your CARDS.

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另外一个就是外部借贷，例如银行贷款或者是信用卡余额。

The other was external debt: either a bank loan or a credit-card balance.

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