广播电视英语短句 第 355 课：信用卡业-3

These come at a time of recession when banks are reporting billions in losses in their credit card divisions. 这些修改在衰退之时来临，而此时银行纷纷报告了其信用卡部数十亿的亏损。

The president of the American Bankers Association says the legislation "changes the entire business model of credit cards." 美国银行家协会主席（爱德华 . 英林）说，这一立法“改变信用卡的整个业务模式”。

Edward Yingling says it restricts the ability to price credit for risk -- in other words, to charge more for those more likely not to repay their debts. 他说，这一立法限制了（银行）对信用风险定价（ / 界定）的能力，换言之，对那些可能无法还款的人收费更高。

Lots of people pay off their credit cards in full each month to avoid finance charges. 许多人每月全额还清所有信用卡（的欠款），以避免收费。