最近，一些信用卡公司受到某些消费群体的抨击，因为他们认为这些公司所收的利率过高。实际上，其利率一般只比银行所征收的普通个人贷款的利率高几个百分点。但是消费

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问题最近，一些信用卡公司受到某些消费群体的抨击，因为他们认为这些公司所收的利率过高。实际上，其利率一般只比银行所征收的普通个人贷款的利率高几个百分点。但是消费群体忽略了这样的事实：信用卡为用户提供了很大的便利。廉价出售一件商品的时候，信用卡的用户可以购买它。因此，商品较低的价格补偿了信用贷款的成本。

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答案 Recently credit card companies have come under attack by consumer groups who argue that the interest rates charged by these companies are unconscionably high. In fact, the rates are generally several percentage points above those charged by banks for ordinary personal loans. But consumer groups overlook the fact that credit cards afford the user great flexibility. A user can purchase an item while it is on sale. So the lower cost of the item offsets the cost of the credit.

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最近，一些信用卡公司受到某些消费群体的抨击，因为他们认为这些公司所收的利率过高。实际上，其利率一般只比银行所征收的普通个人贷款的利率高几个百分点。但是消费