On Card Slave
“卡奴”是指一個人使用大量的現金卡、信用卡，但負擔不出繳款金額或是以卡養卡、以債養帳等方式，一直在還利息錢的人。
1. 目前出現許多年輕人變成“卡奴”現象
2. 出現這一現象的原-因
3. 我對這一現象的.看法和建議
參考範文：
On Card Slave
As people change the patterns of consumption, it is common for people to have several cards. Then “Card slave” is coined. “Card slave” refers to people who can only pay the minimum balance on their credit card debt every month. Many youngsters fall under the so-called card-slave category.
The reason behind “card slaves” varies. The fierce competition among banks, Chinese or foreign, encourages them to lure customers to hold more credit cards. Unfortunately, some card holders, especially youngsters with large shopping addictions and small salaries, have outstanding credit card debts and gradually became “card slaves” after reaching their credit card limit on luxury items. Due to their meager salaries, they always live on the edge of bankruptcy.
In my opinion, people should manage their financial affairs. First, only choose the credit cards that suit you the most. Secondly, manage your cards properly. Get some good tips from internet and follow them. Thirdly, increase income and avoid excessive expenses. These tips will help you keep away from the danger of becoming a “card slave”.
參考譯文：
隨著人們改變消費的模式,人們普遍有幾個卡片。則創造了“卡奴”。“卡奴”是指那些只能支付最低餘額每月的信用卡債務。許多年輕人屬於所謂的“卡奴類別。
“卡奴”背後的原因各不相同。銀行間激烈的競爭,中國或外國,鼓勵他們以吸引客戶持有更多的信用卡。不幸的是,一些持卡人,特別是年輕人和大型購物成癮和小工資,有傑出的信用卡債務,並逐漸成為“卡奴”在達到他們的信用卡限制奢侈品。由於他們微薄的薪水,他們總是住在破產的邊緣。
在我看來,人們應該管理自己的財務。首先,只有選擇最適合你的信用卡。其次,正確地管理你的卡片。從網際網路和得到一些好的建議。第三,增加收入和避免過度開支。這些提示將幫助您遠離成為“卡奴”的危險。
