2015年信用卡欠款增长趋势：中英文对比阅读

中文段落：

2015年，信用卡欠款的增长情况引起了广泛关注。这一年，随着消费水平的提高和信用卡使用的普及，信用卡欠款呈现出快速增长的态势。据相关数据显示，2015年信用卡欠款总额相比前一年增长了近30%，达到了历史最高点。这一增长趋势不仅反映了消费者对于信用卡的依赖程度加深，也暴露出部分消费者在信用卡使用上缺乏足够的规划和自我约束。

在这一背景下，银行信用卡业务的风险也在逐步加大。为了控制风险，银行加强了对信用卡申请的审核力度，提高了信用卡额度审批的门槛。同时，银行还加强了对信用卡逾期欠款的催收力度，通过提高罚息、降低信用额度等措施来约束消费者的还款行为。

对于消费者而言，面对信用卡欠款增长的压力，应该更加理性地使用信用卡，合理规划消费，避免过度借贷。同时，还应该加强自我约束，按时还款，避免逾期欠款带来的不良影响。

英文段落：

In 2015, the growth of credit card debt attracted widespread attention. With the increasing consumption level and the popularity of credit card usage, credit card debt exhibited a rapid growth trend that year. According to relevant data, the total amount of credit card debt in 2015 increased by nearly 30% compared to the previous year, reaching an all-time high. This growth trend not only reflected the deepening dependence of consumers on credit cards but also exposed the lack of sufficient planning and self-restraint among some consumers in credit card usage.

Against this backdrop, the risk of bank credit card business was gradually increasing. To control the risk, banks strengthened the review of credit card applications and raised the threshold for credit card limit approval. At the same time, banks also intensified their efforts in collecting overdue credit card debts by imposing higher penalties, reducing credit limits, and other measures to constrain consumers' repayment behavior.

For consumers, facing the pressure of increasing credit card debt, it is necessary to use credit cards more rationally, plan consumption sensibly, and avoid excessive borrowing. At the same time, it is important to enhance self-restraint, repay on time, and avoid the adverse effects of overdue debts.