美国信用卡债务已达到创纪录的1.29万亿美元，即使一些财务负责的美国人也在为获得基础信用卡和贷款而苦苦挣扎。年薪六位数、储蓄充足且没有债务的人，越来越多地面临银行的即时贷款拒绝。美国信用卡债务自2021年以来上升67%根据纽约联邦储备银行的数据，美国信用卡债务总额自2021年初以来已上升67%。与此同时，数百万避免借贷的美国人发现，很难建立银行可用来评估其财务背景的信用记录。
US credit card debt has reached a record $1.29 trillion, even as some financially responsible Americans are struggling to get approved for basic credit cards and loans. People earning six-figure salaries, having healthy savings and carrying no debt are increasingly facing instant loan rejections from banks.US credit card debt rises 67% since 2021The total credit card debt in the US has increased by 67% since early 2021, according to data from the Federal Reserve Bank of New York. At the same time, millions of Americans who avoid borrowing are finding it difficult to establish a credit history that banks can use to judge their financial background.
据Fox Business报道，消费者金融保护局（CFPB）的数据显示，估计有2500万美国成年人的信用档案过于薄弱或已过时，无法生成标准信用评分。这意味着，借贷历史很少或没有的人，即使收入高且储蓄充足，也可能难以获得贷款。现代银行算法寻找最近的信用活动，以了解消费者如何处理借来的钱。为何没有债务的美国人难以获得贷款《拉姆齐秀》联合主持人Jade Warshaw表示，银行未必是在惩罚无债务生活的人，但也并未将他们列为优先对象。
Data from the Consumer Financial Protection Bureau (CFPB) shows that an estimated 25 million American adults have credit files that are either too thin or outdated to generate a standard credit score, according to Fox Business. This means that people who have little or no borrowing history may struggle to get loans, even if they earn well and have enough savings. Modern banking algorithms look for recent credit activity to understand how consumers handle borrowed money. Why debt-free Americans struggle to get loansJade Warshaw, co-host of The Ramsey Show, said banks are not necessarily punishing people for living debt-free, but they are not prioritising them either.
她告诉Fox News Digital，银行从使用其金融产品的客户那里赚钱，因此不借贷的人可能会得到较少关注。
She told Fox News Digital that banks make money from customers who use their financial products, so people who do not borrow may receive less attention.
信用修复专家、Micah Abigail LLC创始人Micah Smith也表示，信用系统可能会对选择无债务生活的人不利。她告诉Fox News Digital，虽然避免债务是一个负责任的财务目标，但信用评分的运作方式可能会让这类人难以获得贷款资格。
Credit repair specialist and founder of Micah Abigail LLC, Micah Smith, also said that the credit system can work against people who choose to live without debt. She told Fox News Digital that although avoiding debt is a responsible financial goal, the way credit scores work can make it difficult for such people to qualify for loans.
Smith解释说，信用评分算法寻找活动，并希望看到一个人如何处理借贷。
Smith explained that credit scoring algorithms look for activity and want to see how a person has handled borrowing.
她说，一个人的收入并不直接决定其信用评分，这意味着收入高的人也可能信用状况不佳。PYMNTS Intelligence和美联储2025年的一项消费者研究发现，与信用相关的焦虑和意外的贷款拒绝，正越来越多地影响年收入超过10万美元的家庭。据Fox Business报道，该问题与借贷历史有限以及缺乏不同类型的信用账户有关。
She said a person's income does not directly determine their credit score, meaning someone earning a high salary may still have a weak credit profile.A 2025 consumer study by PYMNTS Intelligence and the Federal Reserve found that credit-related anxiety and unexpected loan rejections are increasingly affecting households earning more than $100,000 annually. The problem is linked to limited borrowing history and a lack of different types of credit accounts, according to Fox Business.
信用卡使用还是储蓄：专家观点不一这些信用问题可能会影响人们的日常生活。信用记录很少或没有信用记录的人，可能很难从摩根大通和资本一等大银行获得基础信用卡。他们在申请汽车贷款和房屋贷款时也可能遇到问题。然而，史密斯不同意人们应该完全远离信用的观点。据Fox Business报道，她说，没有债务是一个良好的财务目标，但没有信用记录也可能带来问题。
Credit card use or savings: Experts have different viewsThese credit problems can affect people's daily lives. People with little or no credit history may find it hard to get basic credit cards from big banks like Chase and Capital One. They may also face problems when applying for car loans and home loans. However, Smith does not agree that people should completely stay away from credit. She said having no debt is a good financial goal, but having no credit history can also create problems, according to Fox Business.
史密斯说，没有信用记录的人可能发现很难租房或与住房团体和其他组织打交道。她还说，在当今经济中，仅靠现金经营小企业并不实际。
Smith said people without a credit history may find it difficult to rent homes or deal with housing groups and other organisations. She also said running a small business only with cash is not practical in today's economy.
两位专家对人们如何管理资金持有不同看法。史密斯说，人们应该使用信用卡进行小额购买，并按时支付账单以建立信用记录。而沃肖则认为，人们应该避免贷款，专注于储蓄和投资。
The two experts have different views on how people should manage their money. Smith says people should use credit cards for small purchases and pay their bills on time to build a credit history. Warshaw, on the other hand, believes people should avoid loans and focus on saving and investing money.
两人的不同观点出现在美国信用卡债务达到创纪录的1.29万亿美元之际。这显示了那些想要远离债务，但仍需要信用记录才能获得基础金融服务的美国人所面临的问题。
Their different views come at a time when US credit card debt has reached a record $1.29 trillion. This shows the problem faced by Americans who want to stay away from debt but still need a credit history to access basic financial services.