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听力文稿 ( Transcript )
A Closer Look at the Industry's Best Customers The big profits come from the 90 million who don't pay off their credit card debt. The industry's success has also been shaped by the genius of financial innovators.
Today, nearly 144 million Americans have credit cards, and they are using their cards like never before. Charging 1.5 trillion dollars last year alone, credit cards have become an essential part of the American economy.
I really can't say that I love my credit card, but I would hate to live without it. I use it a lot for work, it’s easy, and it’s easy access. I can take clients out for dinner. I take advantage of the miles, we fly first-class on vacations. It’s a nice will to spend what you don’t have. Can you image living without a credit card in the society? That's hard to imagine. No...
We shut down with the group of credit card customers to talk about how they use their cards.
We are consumers; an American loves to consume that in our blood. This is like an addiction, I mean, I have this new credit card in my pocket, look at that great dress, I can do, and I really should do it all, and just pay it off later, and you do it. Perhaps that I I-pod, am I cool? Yeah. So, I can charge it and pay it off. And, Christmas is just around corner, there is always something.
They are just a gift for the traveler which I am a very, very, very frequent driver indeed that I am. Er…they are indispensable. Actor and author Benn Stine loves the convenience of using his credit cards. Credit cards are incredible ideal for me. I mean, I have lots, lots of different cards. I mean my wallet is just stuffed with cards, it's just insane, it's just ridiculous, I look like, I look like I’ve got a third breast from my, er…carrying around my wallet , so many credit cards in it.
Thank you very much for your sign, have a nice afternoon.
Stine says he charges thousands of dollars a month in business expenses on his credit cards. I use all their good services; they don’t make any money from me. I mean none to speak off.
The credit card companies do make a percentage on each transaction, but Stine is not their ideal customer, because like 55 million Americans, he pays his bills off every month, and doesn’t pay any interest. The credit card companies hate people like me who pay off our bills every month, and I know that because I ran into a fellow I went to high school with on the street. And he told me he worked for the credit card company, and I told him about how much I used credit cards now, I paid them off every month, and he told ,we guys, we hate you, we hate you guys, we call you “deadbeats”.
Deadbeats in the upside down world of credit card business are the people like Benn Stine, who pay off their bills on time. The industry’s best customers are the 90 million Americans who don’t pay off their credit card debt. They are called the revolvers.
People in the industry tell us that, that revolvers-- people who borrow money basically with their credit cards. That’s where the profits are. I don’t think that’s where all the profits are. I think it is. Well, generally understood, that those that used revolving part of the credit card, er… are… are called the Switzbod,
Today, the Switzbod as Mr. Inland calls it continues to grow, and the top interests rate charged are higher than ever before according to Robert McKinley who founded card web a research from the trucks industry.
The top ten issues in the country are charging interests rates of 25 to 30 percent to some other customers, and this is in a market, where interest’s rates are at 40-year low. We have consumers’ paying, interests that would be considered long sharks in my day.
At the same time, Americans with credit cards balances are carrying a record amount of debt. How much credit card debt is the average American family carrying? About 8,000 dollars for those who are carrying some debt.
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