信用卡

For example, there's no excuse for a general purpose credit card to be charging more than 20% interest these days, although with the card issuers' tendency to slowly push up the APRs they charge on established accounts, you might well find that your longstanding card account is now charging an unacceptable rate.

举例来说，没有任何借口，为一般用途信用卡收取20 ％以上的利息，这些日子，虽然与发卡机构'的倾向，慢慢地推高年利率他们收取就建立了帐户，你可能会发现你所长期以来卡户口，现在收费是一个无法接受的速度。

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。

The credit card firm will report the charge-off to the credit bureaus, and a consumer's credit score could fall anywhere between 50 and 200 points, according to Levin.

据Levin，信用卡公司会向消费者信用度信息局，，消费者的信用积分会下降50-200点。

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。

This one mode pays close attention to network credence foundation of the businessman very much.

这一模式非常关注商人的网络信用基础。

Cell morphology of bacterial ghost of Pasteurella multocida was observed by scanning electron microscopy and inactivation ratio was estimated by CFU analysi.

扫描电镜观察多杀性巴氏杆菌细菌幽灵和菌落形成单位评价遗传灭活率。