In other words, expect more catalogs and credit-card offers in the short term, although Saffo believes environmental pressures won't make that strategy sustainable in the long run.

换一句话说，尽管Saffo相信外界的压力不会使得这项政策长期执行下去，但是就目前来说，它仍然可以带来更多的客户和签单。

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A 0% credit card can also be useful for paying off big-ticket items or short-term borrowing, but don't keep money on it for longer than the 0% offer lasts - you will be hammered with interest.

零利率信用卡对高价项目和短期借贷也很有用，但是不要超过零利率提供期限—届时你将受到利息的重压。

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That same data could also reveal a customer's need for a savings account, short-term loan or new credit card.

FORBES: Global 2000

Hopefully, we are getting back to a mentality where we only buy what we can afford without taking out a short-term loan sometimes called a credit card transaction.

FORBES: Credit Card Debt Continues to Fall

American Express earns a net interest income on the spread between the rate it earns from un-loaned amounts sitting in bank deposits and short-term investments in financial securities and the rates at which it extends credit to card members.

FORBES: American Express Charging Toward $50