Many businesses, such as department stores, restaurants, hotels and airline companies, use a credit system for selling their products and services.

许多企业，如百货公司，餐厅，酒店和航空公司，用于信用制度销售的产品和服务。

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In America department stores such as Neiman Marcus, Saks and JCPenney have all reported declining sales in their most recent results.

在美国，内曼马库斯，萨克斯第五大道，杰西·潘尼这些百货公司都公布最近销量下降。

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Often, when a mall starts to lose shoppers, major tenants such as department stores leave.

WSJ: Bond Investors Strip Malls Off Shopping Lists

But general stores, such as department stores, suffered a 1.3% drop in sales in March from the previous month.

BBC: UK sales boom fizzles

So the more-discretionary segments of the retail sector such as department stores, florists, or clothing stores will suffer the most if consumers choose to hold on to their cash.

FORBES: (Slightly) Decreasing Confidence All Around