获得限额的国家不是必须激活信贷额度，除非它自己需要；但授信的存在会使投资者有信心能够经受得住风暴。

The country would not have to draw down the line of credit unless it needed to; but the credit's existence would give investors confidence in its ability to ride out the storm.

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她说，他们通常从最低付款额度开始，久而久之，信贷限额上升，但他们不去付清欠款。

She says they often start by making the lowest payment required. Over time, their credit limit is increased, but they do not pay off their debt.

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