但是绝大多数信用卡消费者在他们的账户里都有拖欠款项，这意味着银行或信贷机构可以依法在拖欠总额之上追加以欠款为基准的一定比例的款项。

But most credit card holders have substantial balances remaining on their accounts, which means the bank or credit card company can legally add a percentage of that balance to the total amount owed.

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