Americans simply don't have enough money to pay back the mortgage and credit-card debt they've run up.

美国人根本没有足够的钱来赎回预支出的抵押和信用卡债务。

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Through it all, a lot of ordinary Americans borrowed a lot more money then they could afford to pay back, running up enormous credit card bills and borrowing against the value of their homes.

总而言之，许多美国人借了那么多他们根本无力偿还的债务，迅速上升的信用卡账单和依靠房屋价值的借款。

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Put your credit card away (better still, cut it up), dust off your tent, get on your bike and go and put the adventure back in your life.

把信用卡扔到一边（折断更好），掸掉帐篷上的灰尘，骑上自行车，重拾你冒险的雄心。

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Banks have jacked up the price for back-up credit lines, when they offer them at all.

ECONOMIST: Signs of a crunch in America's markets for credit

One of the banks' most alluring offers to companies that give them such business is to furnish them with back-up lines of credit.

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This long-standing line of credit will improve your overall credit score and provide you with a financial back-up in case of emergencies.

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