信用卡是個(gè)好東西，可以為我們?cè)诩毙桢X的時(shí)候提供資助，然而，它還是一把雙刃劍。如果利用不當(dāng)?shù)脑挘赡軙?huì)給你帶來(lái)很大的風(fēng)險(xiǎn)甚至?xí)鼓氵_(dá)到一窮二白的境地。

請(qǐng)將下面這段中文翻譯成英文：

信用卡(credit card)是由銀行發(fā)行的卡，持卡人可以憑卡賒購(gòu)(buy on credit) 商品和服務(wù)。使用信用卡最大的好處就是能給持卡人帶來(lái)極大的方便。人們可以 使用信用卡賒購(gòu)他們需要的東西，并在一段時(shí)期內(nèi)付淸欠款,而不必隨身攜帶大量的現(xiàn)金。但如此的便利也帶來(lái)了一些問(wèn)題，如惡意透支(malicious overdraft)。還會(huì)剌激使用者超前消費(fèi)，容易產(chǎn)生月光族。在消費(fèi)的時(shí)候，使用信用卡會(huì)促使消費(fèi)者更加沖動(dòng)地購(gòu)物，甚至購(gòu)買一些平時(shí)不怎么用的商品。

參考譯文：

A credit card is a card issued by a bank,allowing its holder to buy goods and services on credit.The most obvious advantage of credit card is the huge convenience it brings to card holders.People can use the cards to buy what they want on credit and pay off the debt over a period of time instead of carrying a large sum of cash with them.But such convenience also brings such problems as malicious overdraft and overconsumption which will easily reduce the card users to“moonlight group”.When shopping,consumers with credit cards will buy goods more impetuously.They will even buy something that is not often used in daily life.

詞句點(diǎn)撥

1.賒購(gòu)商品和服務(wù):賒購(gòu)可用短語(yǔ)buy...on credit來(lái)表達(dá)。故此處可譯為buy goods and services on credit。

2.最大的好處:“大的好處”即“明顯的好處”，故此處可譯為the most obvious advantage。其中obvious意為“顯著的”。

3.但如此的便利也帶來(lái)了一些問(wèn)題，如惡意透支…:可譯為But such convenience also brings such problems as malicious overdraft"其中，使用“such+n.+as...”這個(gè)結(jié)構(gòu)可以達(dá)到清晰列舉事例的效果。例如，我們買了蘋(píng)果、香蕉、葡萄等水果，即We bought such fruits as apples,bananas,grapes,etc.

4.惡意透支和超前消費(fèi):分別可譯為名詞短語(yǔ)malicious overdraft和over-consumption。