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cover of episode Replay: What is a credit card, and how does it work?

Replay: What is a credit card, and how does it work?

2025/7/1
logo of podcast Marketplace All-in-One

Marketplace All-in-One
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Bridget: 信用卡是一种可以先消费后付款的工具，但实际上是在向信用卡公司借钱，需要按时偿还。如果不按时还款，会产生利息和滞纳金，增加还款负担。同时，信用卡的使用会影响个人信用评分，信用评分低会影响未来贷款。负责任地使用信用卡可以带来便利，例如无需携带大量现金，方便网上购物，并有助于建立良好的信用记录。 Ryan: 我最初认为信用卡可以解决我所有的财务问题，但后来发现如果不加以控制，会陷入债务危机。我意识到使用信用卡实际上是在借钱，而且如果不及时还款，会产生额外的利息费用。我差点因为不负责任地使用信用卡而导致信用评分下降，甚至引来了海盗。这次经历让我深刻认识到，使用信用卡需要谨慎，不能过度消费。 Ghost Blackbeard: 我一开始不理解信用卡，觉得它是一种邪恶的发明，类似于海盗行为。但后来我了解到，如果负责任地使用信用卡，可以带来很多便利，例如可以订阅海盗娱乐服务。不过，我仍然认为信用卡存在风险，如果不加以控制，会导致债务问题。 Fico: 我作为信用卡的守护神，强调负责任地使用信用卡的重要性。我警告大家不要滥用信用卡，否则会面临严重的财务后果。我建议大家按时还款，避免产生利息和滞纳金，并保持良好的信用记录。我还提醒大家注意防范信用卡诈骗，保护个人信息安全。

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Shownotes Transcript

Today, we’re taking it way back to Bridget and Ryan’s first episode together. They’ll work on answering a question that quite a few listeners were wondering about: What are credit cards, besides little pieces of plastic with chips in them? We’ll learn how grownups use credit cards in the first place, and some potential pitfalls of swiping. Then things really get out of hand when the ghost pirates show up.

Check out the tipsheet for this episode for some ways you can keep the conversation about credit cards going at home.

This episode is sponsored by Greenlight. Sign up for Greenlight today at greenlight.com/million).