Amazon’s new credit card helps you get into debt with your own money
亞馬遜新的信用卡能幫你用自己的錢負債

Have bad credit? Does Amazon have a solution for you (as long as you have the collateral).
你信用不好？亞馬遜幫你解決（只要你有錢可以抵押）。

The e-commerce giant has a new store credit card targeted at people with less-than-perfect credit scores. In partnership with Synchrony Bank, the “Amazon Prime Store Card Credit Builder” lets people put down a refundable security deposit (yes, like an apartment), which will be used to set the card’s total credit limit. Synchrony will then collect that deposit from you and give you a line of credit.
這家電商巨頭針對那些信用評分不是很高的人推出了一款新的信用卡，和同步銀行（Synchrony Bank）合作進行的“亞馬遜Prime信用卡構(gòu)建者”計劃讓人們存入可退還的保證金（對，就像一間公寓）用來設(shè)定該信用卡的信用總限額。同步銀行會收取保證金并給你信貸額度。

圖片來源：視覺中國

From there, people can spend money on using their new credit from money they footed. Depending on how much money they spend on the card, users get 6, 12, or 24 months of no interest. (If people spend less than $149 with the card, they are not eligible for this promotional financing.)
之后人們就可以在亞馬遜上用新的信用預支錢來消費，用戶可以根據(jù)信用卡的消費金額獲得6期、12期或24期的免息優(yōu)惠。（如果信用卡消費金額不足$149，則不能享受這種優(yōu)惠。）

The card’s APR is 28.24%.
該卡的年利率為28.24%。

According to WalletHub, the average interest rate for people with fair credit is 22.99%, and the average store credit card interest rate is 25.76%.
據(jù)錢包中心（一款微軟應用）顯示，信用良好的人的平均利率為22.99%，而商店信用卡的平均利率為25.76%。

This Credit Builder card has the perks of its sibling cards, including no fee and 5% cash back. The idea behind this program is to attract a new swath of customers–that is, people with poor credit–to buy items on Amazon and repay in time, which will increase their credit scores and thus give them the opportunity to get another credit card, one that doesn’t require them to prepay the credit line in full.
這款“信用構(gòu)建者”信用卡也享受亞馬遜類似卡片的補貼，包括沒有手續(xù)費和5%的返現(xiàn)。這一項目的意圖是要吸引一波新的消費者，也就是那些信用不好的人，鼓勵他們?nèi)嗰R遜上消費并及時還款，這樣能提高他們的信用評分，就有機會取得另一張不需要全額預付信用額度的新卡。

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翻譯：菲菲