托福口语中的高频词汇和句型结构搭配

　　现说信用卡，想必每个人都有一到几张信用卡。托福口语考试中也常常说到信用卡话题。今天上海新航道托福培训老师就和大家分享一篇关于西方国家信用卡的使用及信贷能力构建的文章，文章讲述一个理财师关于美国青年信贷能力构建的一些看法及观点，节选了其中比较重要的一段，中间一些词汇(红色字体)和句型结构(蓝色字体)也是托福口语考试的高分词汇哟!

　　A lot of millennials are wary of spending beyond their means.

　　很多千禧年毕业的学生都不敢超出自己支付能力去支出。

　　They're wary of tools like credit cards. They're wary of taking any kind of risk, even if it is a smart risk, like investing.

　　不敢使用信用卡这样的工具，也不敢冒任何风险，即便是像投资一样与收益同在的风险。

　　Federal Reserve data indicates the percentage of Americans under 35 who hold credit card debt has fallen to its lowest level since 1989.

　　美联储的数据也发现35岁以下、持有信用卡的美国人比例已达到自1989年以来的历史新低。

　　Credit cards are an integral part of the U. S. financial system. Without one, it becomes harder for young people to purchase many goods and services, from a cellphone to an apartment.

　　信用卡是美国金融体系的有机组成部分。如果没有信用卡，现在的美国年轻人很难购买实物或服务，比如手机、住房等。

　　It's critically important for a young person to build credit, to build strong credit. It doesn't mean that you over credit yourself,

　　构建信贷能力，尤其是较强的信贷能力，对年轻人来说尤为重要。这并不代表年轻人要透支自己，

　　but it means that you are wise about your credit, you are a responsible payer，

　　而是代表着他们可以妥善经营自己的信贷，能够负责任地支出，

　　and you don't get yourself in over your head.Apps can help young people build credit while living within their means.

　　不会超出自己能力范围行事。一些理财app，可以帮助年轻人在自身能力范围内构建信贷能力。

　　The apps serve as an online adviser, helping they make better spending decisions and not go deeper into debt.

　　这些app可以作为在线顾问，帮助学生们更好地理性消费，不会深陷债务之中。

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