比较之下信用卡的可用性使冲动购买变得容易，因此处于过度消费的趋势。然而

In comparison, the availability of credit cards makes impulse purchases easy, and is therefore in a trend of overspending. However, for some people, cash has the same effect, and payment may need to be postponed, but using cash can reduce the price, while using a credit card cannot reduce the price. Credit cards can easily track transactions, everything depends on the user, their financial situation and their need to establish a credit rating. If the credit card is overused, users will find themselves paying interest.

In contrast, the availability of credit cards makes impulse buying easier, so it is in the trend of over consumption. However, for some people, cash has the same effect. They may need to delay payment, but using cash can reduce the price, while using credit card can not reduce the price. Credit cards can easily track transactions, which depends on users, their financial status and their need to establish credit ratings. If credit cards are overused, users will find themselves paying interest.<br>

By contrast, the availability of credit cards makes impulse buying easier, so they tend to be over-consumed. However, for some people, cash has the same effect and may need to delay payment. However, using cash can lower the price, but using credit cards cannot lower the price. Credit cards can easily track transactions, and everything depends on users, their financial situation and their need to establish credit ratings. If the credit card is overused, users will find themselves paying interest.