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If you have a credit card， you can buy a car，eat a dinner， take a trip， and even get a haircut by charging the cost to your account. In this way，you can pay for purchases a month later， without any extra charge. Or you may choose to make your payments over several months and pay only part of the total amount each month. If you do this， the credit company， or the bank that sponsors the credit card， will add a small service charge to your total bill. This is very convenient for the customer.

如果你持有信用卡，只要記一下賬，你就可以買汽車、旅行甚至理發。這樣，你可以在一個月以后再支付貨款，不收任何額外的費用。或者，你可以選擇在幾個月期間內進行支付，每個月只付其中的一部分。如果你這樣做，信用卡公司，或發卡銀行會在你的賬單總額中加收一點手續費。這對客戶是非常便利的。

With the credit card in your wallet or purse，you don't have to carry much cash and worry about losing money through carelessness or theft. The card user only has to worry about paying the final bill. This， of course， can be a problem， if you charge more than you can pay for. In the recent years， credit cards also appear in China. The Great Wall credit card and the Peony credit card are the pioneer cards sponsored by the Bank of China and the Industrial and Commercial Bank of China，respectively.

你的皮夾里有信用卡，你就不必攜帶大量的現金，也不必擔心由于疏忽大意或遭扒竊而喪失錢財。持卡人只須為最終結賬而擔憂。當然，如果你的賬單金額超出了你的支付能力，這就成問題了。近年來，中國也有了信用卡。長城信用卡和牡丹信用卡是由中國銀行和中國工商銀行分別發行的早期信用卡。

Many of us believe that it will only be a matter of time before credit cards replace cash and checks for both individuals and businesses.

我們許多人相信，信用卡代替現金，取代個人支票和企業支票只是一個時間問題。