Many people now use credit cards with high yearly fees. These cards can make people spend more money and get into debt.

現在許多人使用年費高昂的信用卡。這些卡可能會導致人們消費增加並陷入債務之中。

Some cards cost almost $900 a year. Banks say the rewards are worth more than $3,000. But these rewards often make people buy expensive things from special stores.

有些信用卡的年費接近 900 美元。銀行聲稱獎勵價值超過 3,000 美元。但這些獎勵往往會促使人們在特定商店購買昂貴的商品。

People feel different when they use these cards. They do not feel the pain of spending money. Research shows that points make people spend more. Some people spend 32% more money to get a small reward.

人們在使用這些卡時感受不同。他們不會感覺到花錢的痛苦。研究顯示，積分會讓人們消費更多。有些人為了獲得微小的獎勵，會多花 32% 的錢。

Banks make a lot of money from these cards. Many people do not pay their full bill every month. They pay high interest. This interest costs more than the rewards they get.

銀行透過這些信用卡賺了很多錢。許多人每月無法全額償還帳單。他們支付高額利息。而這些利息成本高於他們獲得的獎勵。

These cards help some people. But for many people, they cause bad money habits and more debt.

這些卡對某些人有幫助。但對許多人來說，它們會導致不良的理財習慣並增加債務。