好英语网为什么信用卡越还越多？
在使用信用卡的过程中，有时候会发现随着还款的进行，欠款总额反而越还越多。这令许多持卡人感到困惑不解。以下是一些可能导致信用卡越还越多的原因及英文翻译对照：
- 利息和费用：信用卡作为一种借款工具，通常会涉及一定的利息和费用。如果未能按时偿还全部应还款项，利息和费用就会不断累积，导致欠款总额增加。英文翻译对照：
Interest and fees: As a borrowing tool, credit cards usually involve certain interest and fees. If the full amount of repayment is not made on time, interest and fees will continue to accumulate, resulting in an increase in the total amount of the debt.
- 分期付款：分期付款是信用卡的一种常见功能，可以让持卡人将大额消费分摊到几个月的付款期内。然而，分期付款会收取额外的手续费，如果未能按时偿还，手续费也会累积，导致欠款总额增加。英文翻译对照：
Installment payments: Installment payments are a common feature of credit cards, allowing cardholders to spread large purchases over several months. However, installment payments often involve additional fees, and if not paid on time, these fees can accumulate and cause the total amount of the debt to increase.
- 取现和转账：使用信用卡取现或进行转账时，银行会收取高额的手续费。如果频繁使用这些功能，欠款总额可能会不断增加。英文翻译对照：
Cash withdrawals and transfers: When using a credit card for cash withdrawals or transfers, banks charge high fees. If these functions are frequently used, the total amount of the debt may continue to increase.
- 循环信用：循环信用是信用卡的一种特性，允许持卡人在偿还部分欠款后继续使用信用额度。然而，如果未能按时偿还全部应还款项，循环信用会让欠款继续累积。英文翻译对照：
Revolving credit: Revolving credit is a feature of credit cards that allows cardholders to continue using their credit limit after repaying some of the debt. However, if the full amount of repayment is not made on time, revolving credit can lead to the debt continuing to accumulate.
