Many workers are living paycheck-to-paycheck, with about one in three citing debt as one of the main reasons why, according to a PYMNTS study. 60% of survey respondents reported living paycheck-to-paycheck.

知名在線支付行業媒體PYMNTS的調查顯示，60%的美國人都是“月光族”，其中三成受訪者表示自己所負債務是“月光”的主要原因之一。

Household debt has hit $17.5 trillion in the fourth quarter of 2023, the Federal Bank of New York found. Credit card debt makes up a large portion of that with balances reaching $1.13 trillion.

紐約聯邦儲備銀行的數據顯示，美國家庭債務在2023年四季度已經高達17.5萬億美元。其中，信用卡債務就達到了1.13萬億美元。

The average credit card debt owed is about $7,931, compared to about $6,320 in 2022, according to a New York Life report. And consumers are finding it difficult to make higher credit card payments. About a quarter of respondents to the New York Life report paid less toward their credit cards in 2023.

紐約人壽的一份報告顯示，2023年美國人均信用卡欠款為7931美元，相比2022年的6320美元進一步增加。與此同時，消費者也發現難以進一步提高信用卡額度。約四分之一的受訪者在2023年減少了信用卡支付金額。

"Gen Zers ranked credit card debt as the second most impactful factor on their finances in 2023 behind inflation," said Donn Froshiesar, New York Life head of consumer insights.

紐約人壽消費者洞察部主管唐·弗洛西薩表示，美國Z世代認為信用卡債務是影響自身2023年財務狀況的第二大因素，僅次于通貨膨脹。

Since consumers are having a more difficult time making a dent in their credit card debt, delinquency rates are going up. In 2023, 8.5% of credit card balances entered delinquency, a Federal Bank of New York report found.

由于消費者無力償還信用卡，拖欠率也上升了。紐約聯邦儲備銀行的報告發現，2023年有8.5%的信用卡賬單逾期未還。

Consumers saw other loans enter delinquency last year at a higher rate as well. About 7.7% of auto loans transitioned into delinquency.

其他貸款的拖欠率也在上升，2023年約有7.7%的汽車貸款逾期未還。

All age groups saw delinquencies increase, but younger borrowers saw the highest increase.

調查顯示，美國所有年齡段消費者的貸款拖欠率都有所上升，但是年輕消費者的貸款拖欠率上升幅度最大。

（英文來源：福克斯商業網  編譯：陳丹妮  審核：齊磊、韓鶴）