我的信用卡透支了。

　　02. Don't lavish on fashion too much

　　不要在潮流时尚上大手大脚地挥霍了。

　　03. You should keep a rational spending habit.

　　你应当养成一个理性的消费习惯。

　　04. I usually use my credit card when I don't have enough cash.

　　当我现金不够时，我通常会刷信用卡。

　　05. I'm in debt.

　　我欠债了。

　　06. My current salary can not make ends meet.

　　我现在的薪水根本不够花。

　　07. I have a tight pocket.

　　我手头有点紧。

　　08. You'd better change your attitude towards money.

　　你最好改变一下对金钱的态度。

　　09. I have to pay off my credit card bill at the end of each month.

　　我不得不在每个月末偿还信用卡欠款。

　　10. What is the annual interest rate?

　　年利息率是多少?

　　11. I have got an interest-free loan for 6 months.

　　我获得了一份六个月的无息贷款。

　　12. My credit limit has been raised.

　　我的信用额度提高了。

　　13. I am overdrawn by 1 500 yuan.

　　我透支了1 500元。

　　14. Owning a heavily overdrawn account is not a good sign.

　　拥有一个巨额透支的账户可不是一个好迹象。

　　15. You should change your over-spending behavior.

　　你应该改改你那过度消费的行为。

　　16. He has built up debt from over-spending.

　　由于过度消费，他已经负债累累。

　　17. My credit card debt is twice my income.

　　我信用卡上的负债已经高达我收入的二倍了。

　　18. I'm getting into a serious financial trouble.

　　我陷入了严重的财务危机。

　　19. He focuses on spending today rather than making a budget for tomorrow.

　　他只顾眼前的消费，从不为将来做预算。

　　20. They are embracing a "buy now, pay later" lifestyle.

　　他们崇尚一种"消费在前，还款在后"的生活方式。