Amazon's new credit card helps you get into debt with your own money亚马逊新的信用卡能帮你用自己的钱负债

Have bad credit? Does Amazon have a solution for you (as long as you have the collateral).

你信用不好？亚马逊帮你解决（只要你有钱可以抵押）。

The e-commerce giant has a new store credit card targeted at people with less-than-perfect credit scores. In partnership¹ with Synchrony Bank, the "Amazon Prime Store Card Credit Builder" lets people put down a refundable² 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.

这家电商巨头针对那些信用评分不是很高的人推出了一款新的信用卡，和同步银行（Synchrony Bank）合作进行的“亚马逊Prime信用卡构建者”计划让人们存入可退还的保证金（对，就像一间公寓）用来设定该信用卡的信用总限额。同步银行会收取保证金并给你信贷额度。

From there, people can spend money on amazon.com 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 eligible³ for this promotional financing.)之后人们就可以在亚马逊上用新的信用预支钱来消费，用户可以根据信用卡的消费金额获得6期、12期或24期的免息优惠。（如果信用卡消费金额不足$149，则不能享受这种优惠。）The card's APR is 28.24%.

该卡的年利率为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%.

据钱包中心（一款微软应用）显示，信用良好的人的平均利率为22.99%，而商店信用卡的平均利率为25.76%。

This Credit Builder card has the perks⁴ of its sibling⁵ 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.

这款“信用构建者”信用卡也享受亚马逊类似卡片的补贴，包括没有手续费和5%的返现。这一项目的意图是要吸引一波新的消费者，也就是那些信用不好的人，鼓励他们去亚马逊上消费并及时还款，这样能提高他们的信用评分，就有机会取得另一张不需要全额预付信用额度的新卡。