信用卡的使用大大普及了，技术创新使得越来越多的消费者能够获得贷款，其中也包括次级借贷者。

Credit-card use expanded rapidly, and technological innovations gave more consumers access to credit, including subprime borrowers.

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要教导孩子借贷的责任，如何避免不必要的债务，如何避免过多举债，如何可靠地使用信用卡。

Teach them the responsible use for credit, and how to avoid it when it’s not necessary, and how to avoid getting into too much debt, and how to use a credit card responsibly.

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