本听写稿由v之羽听写，来自沪江VOA听写系统Credit cards let people buy things now and pay for them over months or even years, but . But some people get deep into debt, and critic . And critics say some banks have terms and charges that can make it harder for people to pay off that debt.
In the United States, there are calls for " Stronger Government Supervision" stronger government supervision of the credit card industry. Credit cards have been have leave heavily marketed through the mail and the at stores. They offer economic power at a price. In 2004, Americans had about eight hundred billion dollars $ 800,000,000,000 in credit cards card debt. Now they owe about nine hundred sixty-eight billion968,000,000,000. The average intresed interest rate on those cards is currently thirtheen and a half percent13. Critic 5%.
Critics say banks made it too easy to get credit cards, but . But that may be changing. The crisis in the housing and credit credits markets is beginning to affect the credit cards card industry. More payments are late. Charges for late payments are a growing source of profit for banks. But late payments can also signal bad debts.
The Central Bankcentral bank, the fedral reserve saysFederal Reserve, two thirds says two-thirds of American banks at have recently reported tetter tighter lending requirements. Many people report having their credit limits reduce reduced without warning.
| 听写于：2008-8-25 6:34 |
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| 正确率：82% (+16分) |
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posted @ 2008-08-25 06:37
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