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However, the use of credit cards also troubles many Americans. If a credit card owner does not pay all of the money that he owes at the end of the month, he is really borrowing the money. Until he repays all of it, the rate of interest, often about twenty percent, is very high. Because no payment is needed until one month after the purchase, many Americans have trouble limiting their purchases. When the bills finnally arrive, they see that they do not have enough money. The result is high interest payments.的意思,謝謝