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In Europe, Fitch's U.K. credit-card charge-off index hit a record high of 9% in April.

在欧洲，惠誉的英国信用卡销帐指数今年4月达到9%的纪录高点。

For a big chunk of credit-card losses; the number of filings (and thus charge-off rates) would be rising again, whether

年美国个人破产法的一个改动使得破产登记急速下降，而后引起了信用卡大规模的亏损。

Analysts estimate that banks in China this year were writing off two to three percent of their credit card loans, which is still less than half of the July charge-off rate of 6.6 percent in the United States, according to Fitch Ratings.

分析人士预计，今年中国各家银行信用卡欠款中的2%至3%将不得不勾销，这低于美国7月份6.6%的比例。

Statistics show that the nation's commercial banks by total assets of credit card loans ratio (Charge-off Rates) by 2 quarter 2007 rose to 3.85 percent of 2008 2 of 5.47 percent quarter, rising faster than the reduction of real estate mortgage loans ratio increased speed.

据统计，通过信用卡贷款的总资产的比例全国的商业银行（撇帐率由2季度2007年）上升至3.85 2008 2百分之5.47 0.25个百分点，增长速度超过了房地产按揭贷款比率下降的速度增加。

If you can prove to the Internal Revenue Service that you were technically insolvent at the time of the charge-off, there are cases where the IRS will waive the tax," says Levin."But the problem is when people do nothing, and the following January a 1099 shows up from the credit card firm.

如果你能想国内税收署证明你在被宣布为'呆账'时资不抵债，那么有可能国内税收署会免除这部分税"Levin说，"但是，问题在于，当人们什么也不做，次年1月份收到来自信用卡公司的一张1099单（国内税收署发出的免债务通知单）。

A change in America's personal-bankruptcy laws in 2005 led to an abrupt fall in bankruptcy filings, which in turn account for a big chunk of credit-card losses; the number of filings (and thus charge-off rates) would be rising again, whether or not overall conditions for borrowers were getting worse.

美国个人破产法的改变，在2005年导致了一场申请破产的急跌，，同时又占了这么一大块信用卡损失；备案的人数将再次上升，不管怎样，借贷的整体的环境也越来越差。

If average charge-off rates reach 18 to 20 per cent, credit card losses for US issuers could exceed $82bn, the Federal Reserve said in May after stress tests on 19 large lenders.

在对19家大型放贷商进行了压力测试后，美联储于今年5月表示，如果冲账率平均达到18%到20%的水平，美国信用卡发卡商的损失可能会超过820亿美元。

Analysts estimate that banks in China this year were writing off 2% to 3% of their credit card loans, less than half of the July charge-off （把—作为损耗注销,冲销,销账）rate of 6.6% in the U.S.

分析家估计今年中国银行注销了2%到3%的信用卡债务，不到美国7月6.6%呆帐率的一半。

In case of no show 50% of the total amount will be charged on your credit card.

这种情况，您的入住总额将会在您预订的时候从您的信用卡支取。

In case of no show, 88% of the first night will be charged on your credit card.

这种情况，您的入住总额将会在您预订的时候从您的信用卡支取。

The split between the two groups can hardly be papered over.

这两个团体间的分歧难以掩饰。

This approach not only encourages a greater number of responses, but minimizes the likelihood of stale groupthink.

这种做法不仅鼓励了更多的反应，而且减少跟风的可能性。