"Should I pay for this with credit?

「我應該用信用卡付款嗎？

Or should I just pull out some cash?"

還是我應該拿現金出來付款？」

Well, there are definite benefits to using a credit card.

使用信用卡的確有些好處。

You can earn perks.

你可以獲得優惠。

You can earn rewards.

你可以獲得獎勵。

You can earn miles.

你可以獲得飛行里程數。

You can earn cash back.

你可以獲得現金回饋。

The problem with that is that some people have trouble keeping a lid on when they use plastic.

隨之而來的問題是有些人在使用塑膠貨幣時，無法控制花費。

There has been a lot of research that shows we spend more with credit than we do with debit,

已經有許多研究顯示我們使用信用卡時的花費比使用現金卡時要來得多，

we spend more with debit than we do with cash,

而我們使用現金卡時的花費比使用現金時更多，

and that's because using a credit card feels like it's not real money.

這是因為使用信用卡會感覺不像在花真的錢。

Because it's not.

因為就真的不是在花真的錢。

Because you are borrowing somebody else's money.

因為你是向其他人借錢。

And that can cost you a lot in interest if you don't pay it back right away.

而如果你沒有馬上還錢的話，你會必須付很多利息。

If you find that you are susceptible to spending too much money because you are putting it on your credit card,

如果你發現你容易受影響而花太多錢，就只因為你把錢放在信用卡上 。

then you want to use those credit cards only for larger purchases that you know that you will be paying off over time.

那你就只把這些信用卡用在你知道你將會還清的大筆開銷上。

Keep in mind, you want to build a strong credit record.

請銘記在心你要打造優良的信用紀錄 。

It affects the amount that you pay on interest when you borrow money to buy a house or borrow money to buy a car.

信用紀錄會影響到你借錢買房時的利息或你借錢買車的利息 。

It affects how much you pay for homeowners and auto insurance, whether you can rent an apartment.

信用紀錄會影響到你要付給房屋持有人和車險的金額還會對你能不能夠租房子有影響 。

Some employers even check credit history these days,

現在有些雇主甚至會檢查你的信用紀錄，

and so it's worth your time to make sure that you are maintaining a good credit history and a good credit score.

所以確保你維持一個好的信用紀錄和信用分數，是值得你花時間的事。

Bottom line : a credit card is an important financial tool to have in your arsenal,

關鍵是信用卡是你支付方式中一項重要的金融工具，

but like all tools, you want to use it wisely.

但就如同所有的金融工具，你要聰明地使用它。

And if you can't use it wisely, you want to find something else.

而如果你無法聰明地使用它，你就要用其他工具。

Hey! NBC News viewers, thanks for checking out our YouTube channel.

嘿！NBC 新聞的觀眾，感謝你們收看我們的 YouTube 頻道。

Subscribe by clicking on that button down here and click on any of the videos over here to watch the latest interviews, show highlights, and digital exclusives.

請點擊下方按鈕訂閱並點擊這邊的任何一個影片觀看最新的訪談、重點秀和數位獨家。

Thanks for watching!

謝謝收看！