Some people say that using credit forces them to save.Money just seems to burn a hole in some people's pockets1.They dribble2 it a way on items of little value.Even people who do not have the willpower to save usually manage somehow to pay their debts.By using credit they force themselves to spend their money for worthwhile things.This makes for a higher standard of living than they would have otherwise.If it were not for credit，fewer consumers would own cars，TV sets，refrigerators，and other appliances.
注釋：
1.burn a hole in the pocket 口袋有洞；不存錢
2.dribble點滴；一點一點地用
譯文
提前享用，提高生活檔次
使用賒購的最大優點就是用不著等待。人們即使不能付現款，但也可以得到他們所需要的商品和勞務。這在某些時候可能就非常重要了，例如：生病或發生意外事故。機會一來，賒購就有用了。例如，某個人有機會被提升得到一個較好的工作，而這種工作需要一輛汽車，這時就可以去賒購一輛汽車了。對於年輕人來說，信貸可能意味著能否繼續受教育。可是在多數時候，消費者利用賒購所買的東西並不一定是他們當時真正需要的東西。他們隻不過是喜歡能邊利用這些東西邊進行償還的辦法而已。
有些人說，使用賒購能迫使他們儲蓄。有些人看來是存不住錢的。他們把錢花在一些沒有什麼價值的東西上，但即使沒有毅力儲蓄的人也得設法償還債務。使用賒購，他們就會迫使自己將錢花在值得購買的東西上。這比其他方式更有助於提高生活水平。要不是使用賒購，沒有多少人會擁有自己的汽車、電視機、冰箱和其他一些東西。
(4) Handy，Economical and Better Service
方便、節約、更好的服務
Some people use credit because they claim it is more convenient than paying cash.There is no need to carry large amounts of money with you when you shop.Paying one bill1 for a number of purchases is easier than paying for each one separately.
Sometimes the use of credit may actually save money.For example，a young couple was saving a little of each pay to buy a rug for their apartment.Before they had enough to buy it，a store in town had a sale2 on rugs.By using credit they were able to take advantage of the sale.They got the rug sooner than if they had waited until they could pay cash.They also got it at a lower price.