Some bankers claim the system benefits debit card users, allowing them to keep spending when they are out of money. But interest rate calculations tell a different story.

一些银行家辩称该系统有益于借记卡用户，令到他们缺钱时仍能保持消费，但是利率计算告诉我们完全不同的故事。

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Any interest charged on debit balances which is not paid at the close of an interest period will be added to the opening balance for the next interest period.

利息期间期末未付的借方余额的利息将加至下一利息期间的期初余额。

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Where the "notional" interest exceeds the cost of the debit items no charge is made, although no interest is credited to the account.

尽管账户上没有贷记利息，但凡是“名义上”的利率超过借记项目的费用，就不收取费用。

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Debit cards, also known as check cards, do not have interest charges.

VOA: special.2009.05.21

For instance, new regulations will limit banks from charging high fees on debit card transactions and restrict certain interest rate increases on credit cards.

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There are no monthly bills, no interest charges, and generally no fees to obtain a debit card from your local bank.

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But, the Fed shoulders some responsibility for commodity inflation because its policy of negative real interest rates allows speculators, including me, to benefit from the minimal expense of carrying huge debit balances.

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