The credit card business is down, and more borrowers are defaulting on loans.
信用卡生意正在走下坡路，更多的借贷人不履行还贷责任。
Two big negatives were identified: Job losses and, for many borrowers, a sharply reduced ability to use home-equity loans to pay off more expensive card balances.
他们找到了支持这个观点的两大负面因素：一是失业，二是很多借款人利用物业套现贷款来偿还高利率信用卡贷款的能力大大降低。
In the current recession some borrowers have given priority to their credit-card and car loans rather than their mortgages.
在当前的经济衰退期，很多借款人，优先还信用卡和汽车的贷款，而不是房屋的贷款。
Before this regulation took effect, many people's priorities would have been mortgage first, credit card second; now, many borrowers have reversed the order.
在这个条例产生效果以前，许多人还贷顺序是抵押贷款第一，信用卡第二。现在，许多借款人已经调转了这个顺序。
The US financial crisis is spreading from subprime borrowers to wealthier consumers, with evidence mounting that more affluent people are failing to pay their mortgages and credit card balances.
美国金融危机正从次级抵押贷款的借方，向较富有的客户蔓延。越来越多的证据表明，比较富有的人正无力支付自己的抵押贷款和信用卡余额。
Credit-card use expanded rapidly, and technological innovations gave more consumers access to credit, including subprime borrowers.
信用卡的使用大大普及了，技术创新使得越来越多的消费者能够获得贷款，其中也包括次级借贷者。
PartnersFirst mainly makes money from the interest it charges borrowers, whereas most credit-card companies also rake in huge fees.
PartnersFirst的主要收入来自借款人支付的利息，而其它大多数信用卡公司还要在此基础上征收巨额手续费。
American Express co., the biggest credit-card issuer by purchases, said second-quarter profit tripled as consumers spent more and fewer borrowers defaulted.
美国最大的信用卡发行商美国运通(American Express)宣布其第二季度利润同比翻三倍，原因是消费者信用卡开支增加，借款人拖欠减少。
Credit losses in Citi's huge card business are likely to pass the peaks of previous cycles, in part because it has taken on more subprime borrowers in recent years.
花旗银行巨大的信用卡业务中的信贷损失可能会超过前一周期的峰值，这部分是由于花旗近年来弄了一些次级贷款人帐户。
But card issuers look at cash flow rather than asset values, so falling house prices do not necessarily trigger a change in borrowers' creditworthiness. They may even work to issuers' advantage.
但是信用卡发行人看到的是现金流动而不是资产价值，因此房产价格的下降并不一定会带来贷款人信用度的改变，甚至会有利于发行人。
The industry was built around connecting borrowers with lenders online, at agreed terms, without involving a bank or credit card company.
通过约定条件，市场借贷平台借助网络平台将借贷双方联系起来，而不涉及银行和信用卡公司。
The industry was built around connecting borrowers with lenders online, at agreed terms, without involving a bank or credit card company.
通过约定条件，市场借贷平台借助网络平台将借贷双方联系起来，而不涉及银行和信用卡公司。
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