The 12 credit idea was actually sold as a positive by eMusic, as it would allow users to download any album without having to pay more than 12 credits.

12个信用点的出发点是好的，因为它可以让用户用不超过12个信用点的代价下载任意专辑。

youdao

Like many kids of my generation, I got my first credit card at 19, and used it liberally without any sense of the damage I was doing to myself.

和我同辈人中的很多小孩一样，我在19岁拿到了自己的第一张信用卡，并且自由地使用它，完全没有意识到这会给自己带来的伤害。

youdao

Without making any formal declaration, since early September the Fed has expanded its balance-sheet rapidly to counter the credit crunch.

未做任何正式声明，Fed已自9月初起迅速扩张其资产规模，以求对抗信贷紧缩。

youdao

What abut foreign nationals in the U.S.? They are often treated like young people without any credit.

WSJ: Getting Going: Managing Your Finances Abroad

Think about someone taking a photograph and using it as part of a larger work without giving any credit.

FORBES: Jonathan Coulton Vs. Glee: It's About The Ethics

At MDE, we have developed a series of strategies that use ETFs and exchange traded options to sculpt risk return payoffs similar to those offered by banks structured products, but without any bank credit risk.

FORBES: How European Bank Woes Could Wreak Havoc On A Portfolio