零售信用卡是如何偷偷地讓美國購物者破產(chǎn)？

@SteviePaints
I worked in the credit card business for a major bank for 35 years. During that time, I volunteered in the community to teach money management classes. I taught to university students, church groups, drug rehab groups and welfare-to-work groups. Across all groups, 99% of them didn’t care to learn or understand anything about managing money. Debt is a modern-day form of slavery. It limits your choices in life. Work to become debt-free.
 
我在一家大銀行的信用卡業(yè)務(wù)工作了35年。在此期間，我曾志愿在社區(qū)教授理財課程。我教過大學(xué)生、教會團體、戒毒康復(fù)團體和福利到工作團體。在所有的團體中，99%的人對學(xué)習(xí)或理解理財管理毫不關(guān)心。債務(wù)是現(xiàn)代奴役的形式。它限制了你在生活中的選擇。努力實現(xiàn)無債一身輕。
 
@kevak1236
LOL I wouldn't have to worry about credit card debt if I spent $1,200 in Macys and went into debt for it. My wife would just shoot me, no further worries
 
哈哈，如果我在梅西百貨花了1200美元然后因此負債，我根本不用擔(dān)心信用卡債務(wù)。我的妻子只會把我槍斃，之后就不用再擔(dān)心了。
 
@pranavsachdeva1141
simple rule, use credit card like a debit card, meaning use credit card for all purchases, but pay full bill at the end of month
 
簡單規(guī)則，像借記卡一樣使用信用卡，也就是說，用信用卡支付所有購買，但在月底全額支付賬單。
 
@HexaBoxabl
Honestly our government has no idea how people are suffering these days. I much feel sorry for the disabled people who don’t get the help they deserve
 
老實說，我們的政府根本不知道現(xiàn)在人們有多么痛苦。我對那些無法得到應(yīng)有幫助的殘疾人感到非常抱歉。
 
@donaldhughes6146
There’s a simple solution to not paying interest on credit cards.
Don’t spend any more than you can afford and set up auto pay to pay off the balance each month.
 
不支付信用卡利息有一個簡單的解決辦法。
不要花費超過自己負擔(dān)得起的金額，并設(shè)置自動支付每月結(jié)清余額。
 
@bradhampton6457
The trick is not to carry a balance on these cards. Pay it in full every month. OR don’t get the card. Period.
 
訣竅是不在這些卡上欠款。每個月全額支付?；蛘撸静晦k卡。就這樣。
 
@refdv
I had a Kohls credit card which was recently taken over by Capital One. The interest rate and fees are incredible, but what made me cancel this card is the fact that these retail cards share user information including my social security number. I couldn’t opt out online, I had to call someone in a foreign country, wait on hold, and tell them I did not want any of my info shared, I couldn’t understand the representative’s thick accent and it was easier to just tell her to cancel my card. Not only do these credit card companies charge incredibly high interest and high fees, they also sell our information to who knows! Greedy!
 
我有一張Kohls信用卡，最近被Capital One收購。利率和費用非常高，但讓我取消這張卡的是，這些零售信用卡會共享用戶信息，包括我的社會保障號。我無法在線選擇退出，只能打電話到外國，等待接通，告訴他們我不希望我的信息被共享，但我聽不懂客服代表的濃重口音，最終還是直接告訴她取消我的卡。這些信用卡公司不僅收取極高的利息和費用，還將我們的信息賣給了誰知道誰！太貪婪了！
 
@Whomikejones972
No self control is bankrupting them
 
缺乏自控力正在讓他們破產(chǎn)。
 
@kamaboko1
At what point do consumers have to be responsible for their own financial decisions? It’s so common to hear people say, I didn’t know about that. Well, why didn’t they do any research before they signed up for these cards? The Internet is flooded with information for making good credit card decisions, not to mention how to create a financial budget. Stupidity can no longer be an excuse for financial decisions that go bad. Particularly something so easy as a credit card.
 
消費者何時需要為自己的財務(wù)決策負責(zé)？我們常聽到人們說，“我不知道這個?！蹦敲?，為什么在注冊這些卡之前不做些調(diào)查呢？互聯(lián)網(wǎng)充斥著關(guān)于如何做出良好信用卡決策的信息，更不用說如何制定財務(wù)預(yù)算了。愚蠢再也不能作為財務(wù)決策失敗的借口，尤其是像信用卡這樣簡單的事。
 
@anthonypearson6759
We really need to stop blaming everyone but the customers. It’s really not so hard to wrap your head around “don’t buy things you don’t have money for”.
 
我們真的需要停止責(zé)怪除了顧客以外的所有人。實際上，理解“不要買你沒有錢支付的東西”并不難。
 
@iLuseMy1v1s
Pro Tip, don't spend the money you don't have. Be smart, use a credit card with an excellent points program. Use it for everything, pay it off every month... It's free money
 
專業(yè)提示：不要花你沒有的錢。聰明一點，使用帶有優(yōu)秀積分計劃的信用卡。用它支付所有費用，每個月全額還款……這是免費的錢。
 
@VGK-702
Its easy to judge but I was in banking for years and a lot of credit card debt I saw was medical debt or emergency debt. Your kid ends up in the ER with a broken arm, and the only way they can pay for it is on credit card. AC unit goes out in the middle of July, and your family needs it to be safe and comfortable, it goes on a credit card. Your car breaks down and you need to go to work so you can pay your bills and feed your kids, it goes on a credit card. What I used to tell my clients is dont judge, break the cycle, save hard as you can for 6 months of emergency savings. TEACH your family good spending habits by LEARNING how to by getting help and accessing free resources.
 
很容易下判斷，但我在銀行工作多年，看到的許多信用卡債務(wù)都是醫(yī)療債務(wù)或緊急債務(wù)。你的孩子因為摔斷了手臂需要去急診，而唯一能支付的方式是信用卡。7月中旬空調(diào)壞了，你的家人需要它保持安全和舒適，它也只能用信用卡支付。你的車壞了，你需要去工作，這樣你才能支付賬單和養(yǎng)活孩子，也只能用信用卡。我以前告訴我的客戶，不要評判，打破這個循環(huán)，盡量儲蓄六個月的緊急儲備金。通過學(xué)習(xí)如何獲得幫助并利用免費資源，教會你的家人良好的消費習(xí)慣。
 
@Bakapooru
I disagree with the closing line.  These credit cards no NOT allow people to lead a decent life in this country.  These cards give people the TEMPORARY belief of leading a decent life.
 
我不同意最后一句話。這些信用卡并不能讓人們在這個國家過上體面的生活。這些卡只給人一種暫時的體面生活的幻覺。
 
@phillyarchdad
These practices define predatory lending. In earlier time, banks would deny credit to these folks so grey market lenders filled that need. Big banks want all the business now and are the loan sharks of today.
 
這些做法定義了掠奪性貸款。在早些時候，銀行會拒絕向這些人提供信用，因此灰色市場的貸款人填補了這一空缺?，F(xiàn)在，大銀行想要所有的生意，它們是今天的高利貸。
 
@Delvy787
Get comfortable with delayed gratification so you can move at the speed of cash. Credit cards and these issuing companies are the worse.
 
學(xué)會延遲滿足感，這樣你就能以現(xiàn)金的速度前進。信用卡和這些發(fā)卡公司是最糟糕的。
 
@Marchalisaac1
Credit cards aren’t bankrupting people. People are spending money that they don’t have. Time to take responsibility for your own actions.
 
信用卡并沒有讓人破產(chǎn)。人們在花自己沒有的錢。是時候為自己的行為負責(zé)了。
 
@АлексейМихайлов-ш7х
Man, I thought I knew the rules: work hard, hustle, save every cent. But I always felt stuck. Then someone casually mentioned Nixorus books in a comment somewhere, and I swear—it felt like accidentally stumbling onto forbidden knowledge. It made me question every single thing Id been taught about money, wealth, and success. Not gonna lie, I felt like I was cheating the system just by reading it.
 
伙計，我以為我知道規(guī)則：努力工作、拼搏、省下每一分錢。但我總是感覺卡在某個地方。然后有人在評論中隨口提到了Nixorus書籍，我發(fā)誓——那感覺就像無意間闖入了禁忌的知識。我開始質(zhì)疑我一直以來關(guān)于金錢、財富和成功的一切教條。不騙你，我覺得光是讀它就像在作弊。
 
@africocoalux722
Credit Card companies prey on shopoholics. Its a negative symbiotic relationship. It doesn't help that they pressure (with low reward) their employees to over sell these credit cards, almost to the point of harassment towards shoppers. The companies exploit their employees when enforcing credit card sign ups, and the pressure is trickled down from the top. I worked retail in the past, I know how the game works-- our supervisors would encourage us to stress its a "rewards card" and its always a measly 10% discount on the purchase. Its predatory practices all around, and consumers falls for it..
 
信用卡公司獵食購物成癮者。這是一種負面的共生關(guān)系。更糟糕的是，他們用低獎勵逼迫員工過度推銷這些信用卡，幾乎到了對購物者進行騷擾的地步。這些公司在推行信用卡注冊時剝削員工，壓力從高層傳遞下來。我曾在零售行業(yè)工作，我知道這個游戲怎么玩——我們的主管會鼓勵我們強調(diào)這是一個“獎勵卡”，而實際上，它只不過是在購買時提供微不足道的10%折扣。到處都是掠奪性做法，消費者都中招了。
 
@fatjaysgarage
Your problem is confusing debt with wealth… having 20,000$ available balance doesn’t mean you can afford do drop 20,000$ on anything!
 
你的問題是把債務(wù)和財富搞混了……擁有20,000美元的可用余額并不意味著你能隨便花掉20,000美元！
 
@jerrycurls88
Credit card debt is really a self control problem. If you use cc like a 30 day float and pay your bill in full on time, it's a great thing. You get points/rewards for using them. If you dont have self control, then get rid of them.  It's just about being responsible. In my 20's, I ran into same issues as many young people do now. I learned about personal finance (that was never taught in school) and use things to my advantage. It's never too late to grow in this critical part of life.
 
信用卡債務(wù)真的是自控問題。如果你像使用30天透支一樣使用信用卡，并按時全額還款，那它就是一件好事。你可以通過使用信用卡獲得積分和獎勵。如果你沒有自控力，那就去掉它們。這就是責(zé)任問題。在我20多歲的時候，我也遇到了和現(xiàn)在許多年輕人一樣的問題。我學(xué)會了個人理財（學(xué)校從未教過這些），并學(xué)會了利用它們對我有利。成長永遠不晚，尤其是在這一人生關(guān)鍵部分。
 
@GNX157
My Amazon Chase card is 18.49%, and a $39 late fee. I don’t know how people allow themselves to do it. In my 60+ years of life I’ve never paid a penny of interest on a credit card debt. My personality will just not allow it. Mortgage, car loans, yes, but never credit card.
 
我的亞馬遜Chase卡利率是18.49%，還有39美元的滯納金。我不明白人們怎么允許自己這樣做。在我60多年的生活中，我從未在信用卡債務(wù)上支付過一分錢的利息。我的性格就是不允許。房貸、車貸是可以的，但絕對不信用卡。
 
@Bbfishman
this is not a secret.  everybody who puts money on a credit card tells themselves that they're going to pay it off before the interest kills them.  but if that was actually the case, credit card companies wouldnt be making billions of dollars.
 
這不是秘密。每個把錢放在信用卡上的人都告訴自己，他們會在利息毀了自己之前把錢還清。但如果真是這樣，信用卡公司就不會賺到數(shù)十億美元了。
 
@FredFlintstone-m2n
Why would credit card companies want to bankrupt consumers, they won’t get their millions of dollars in interest payments.
 
信用卡公司為什么要讓消費者破產(chǎn)呢？他們不會從中得到數(shù)百萬美元的利息收入。
 
@teng029
None of this is rocket science. The premise of credit cards has always been to cost you money. You either understand that going in, or you don’t. If you are part of the former, then you’ll be fine using credit cards. If you’re part of the latter, then you’re screwed. In the end, having a credit card is a personal choice. It’s also a personal choice to educate yourself on the realities of having one.
 
這一切都不是火箭科學(xué)。信用卡的前提一直是要讓你花錢。你要么了解這一點，要么不懂。如果你屬于前者，那么使用信用卡就沒問題。如果你屬于后者，那就完蛋了。最終，擁有一張信用卡是個人選擇。了解擁有信用卡的真實情況也是個人選擇。
 
@saffrons12
I am not buying anything these days: Pay bills, groceries, utilities and then save anything (not much) that is left. I refuse to fund and perpetuate corporate greed and if our government is going to be complicit in facilitating corporate america fleecing us, I'm just going to opt out altogether.
 
最近我什么都不買：支付賬單、買雜貨、繳水電費，然后存下剩下的（不多）。我拒絕資助和延續(xù)企業(yè)貪婪，如果我們的政府要幫著企業(yè)美國剝削我們，那我就完全選擇退出。
 
@mamotalemankoe3775
That bit about being charged interest on the whole when you've paid off most of the principle is ridiculous. How is that legal?
 
關(guān)于你已經(jīng)還清大部分本金，卻還要為整個余額支付利息的事真是荒謬。這怎么可能合法呢？
 
@Johnrl21
These people realize they don’t have a gun to their head to spend right?  They could just, ya know, not do it.
 
這些人意識到他們沒有被迫消費吧？他們可以選擇不做。
 
@derekcaan7686
If you understand how these cards work - you can really use them to your advantage, trouble is most people are not financially literate
 
如果你了解這些卡的運作方式——你真的可以將它們用作對自己有利的工具，問題是大多數(shù)人并沒有金融素養(yǎng)。
 
@danmcmahan8170
I collect Credit Card Debt for a major bank and have watched the patterns of problem debt, it comes down to 2 things 1) lack of basic life skills training in high school 2) FOMO. I am old enough to retire and would be happy if Americans acted in a way that put me out of a job but it will not happen. This is NOT the bank’s fault!
 
我為一家大銀行收集信用卡債務(wù)，觀察到問題債務(wù)的模式，歸結(jié)為兩點：1）高中沒有基本的生活技能培訓(xùn)；2）錯過的恐懼（FOMO）。我已經(jīng)老到可以退休，如果美國人能以一種讓我失業(yè)的方式行事，我會很高興，但這不會發(fā)生。這不是銀行的錯！
 
@daniellekbingham1104
I had 2 store cards in my life. I paid more interest for those than any other credit card. Ditched those; I refuse any offer for a store card. They are a financial trap. Only major credit cards now, and I pay them off each month.
 
我一生中有過兩張商店卡。我為它們支付的利息比其他任何信用卡都要多。扔掉了這些；我拒絕任何商店卡的優(yōu)惠。它們是一個財務(wù)陷阱。現(xiàn)在只用主要的信用卡，并且我每月都還清它們。
 
@DonSchultz-e7e
I decided to fix my finances here. Got sick of my credit score ruining my life.I went in to my credit report and called everyone I owed to and made a payment plan to pay back in 6 Months. Felt awesome. Also with calling them I removed the block on them. I'm 50 and want to live life stress free since I have health issues. I also now go by only spending on things I really need. Also my motto is you can't take your possessions with you when you pass so buying certain things is not worth it.
 
我決定在這里解決我的財務(wù)問題。受夠了我的信用分數(shù)毀了我的生活。我查看了我的信用報告，打電話給我欠錢的每個人，并制定了6個月內(nèi)還清的付款計劃。感覺真棒。通過打電話，我還解除了它們的封鎖。我已經(jīng)50歲了，希望能無憂無慮地生活，因為我有健康問題。我現(xiàn)在也只花錢在真正需要的東西上。我的座右銘是：你死后不能帶走你的財物，所以買某些東西是不值得的。
 
@EntertainingVideos-4U
Credit card companies have lobbied to make a bankruptcy more difficult for the consumer.... pile that onto the heap as well
 
信用卡公司游說讓消費者申請破產(chǎn)變得更加困難……把這一點也加進去吧。
 
@davidcarlin3850
Credit card users need to play the game correctly and not be ignorant.  Pay off the credit card in full before 30 days, and pick a no annual fee card.  A credit card is a temporary means of purchasing until you get paid but only in the short term .
 
信用卡用戶需要正確地玩這個游戲，而不是無知。30天內(nèi)全額還清信用卡，并選擇沒有年費的卡。信用卡是短期購買工具，直到你拿到工資，但僅限短期。
 
@jaymacpherson8167
Credit card interest rates rose substantially during the 2008 Great Recession. None of the widely used cards’ rates have returned to what they were before 2008. So from my perspective, the creeping up these last few years is not the primary issue. To me the primary issue is that the financial sector’s sub-prime mortgage practices that caused the Great Recession is being leveraged by…the financial sector.
 
信用卡利率在2008年大蕭條期間大幅上升。沒有一張廣泛使用的卡的利率回到2008年前的水平。所以從我的角度來看，過去幾年利率的逐漸上升不是主要問題。對我來說，主要問題是導(dǎo)致大蕭條的金融部門次貸做法，現(xiàn)在仍然被……金融部門利用。
 
@Michael_Thomas134
I was stupidly in my youth, owed more than I could pay these folks just kept sending me more credit cards, so I filed bankruptcy and none of them got paid.
 
我年輕時愚蠢，欠了比我能還的更多的錢，那些人一直給我發(fā)更多的信用卡，于是我申請了破產(chǎn)，結(jié)果他們一個都沒得到償還。
 
@champagnebulge1
The female reporter makes the totally accurate point that she's a CNBC analyst so she knows what to look out for when engaging with retail credit cards. Most people are not that savvy. Call it snobby if you want but let's be real.
 
這位女記者完全正確地指出，她是CNBC分析師，所以她知道在使用零售信用卡時需要注意什么。大多數(shù)人并沒有那么精明。你可以說這有點傲慢，但我們得現(xiàn)實一點。
 
@iceman4660
This has been used in the UK for decades. As the saying goes there is no  such thing as a free lunch.
Someone has to pay and it won't be the companies.
The best approach is to only buy what you can afford at that time. If you choose to go down the 0% route then you must be a disciplined person
 
這在英國已經(jīng)使用了幾十年。正如諺語所說，世上沒有免費的午餐。總得有人付錢，而不會是公司。最好的方法是只購買你此時能負擔(dān)得起的東西。如果你選擇走0%利率的路，那你必須是一個有紀(jì)律的人。
 
@michaelsheridan9741
Apparently because I don’t have what everyone else has I’m not living a decent life in this country. Good to know my life isn’t decent
 
顯然因為我沒有別人有的東西，我在這個國家就不算過得體面。很高興知道我的生活不體面。
 
@BrandonHinds-vm2ez
There are 2 advantages to using a credit card rewards are 1 and 2 you can prove to lenders that u are responsible with money and loan payments wen you are ready to get loans for bigger things like house etc. Having a credit card is not to spend money that u don’t know how u are paying back , its about spending what you know you can pay back . Ppl who are responsible with money have no problem with credit cards !!!
 
使用信用卡有兩個好處，第一是獎勵，第二是你能向貸款機構(gòu)證明你能負責(zé)任地管理錢財和貸款支付，當(dāng)你準(zhǔn)備申請更大貸款，比如房貸等。擁有信用卡不是用來花你不知道怎么還的錢，而是用來花你知道能還的錢。負責(zé)任的人在使用信用卡時不會有問題！
 
@hudsonfrank1121
A lot of people forget when they're barrowing money it's the bank's money not theirs. Many people do not understand this and frequently spend outside their monthly income. If you treat your credit card like a debit  card and only put transactions on there you know you already have the funds for you'll be fine. Borrowing money to get out of debt is a terrible idea yet many do it.
 
很多人忘記了，當(dāng)他們借錢時，那是銀行的錢，而不是他們自己的。很多人不了解這一點，經(jīng)常超出月收入消費。如果你把信用卡當(dāng)成借記卡，只在你已經(jīng)有資金的情況下進行消費，你就沒問題。借錢來擺脫債務(wù)是個糟糕的主意，但很多人還是這么做。
 
@manwithnoname3454
Simple rule. Time barred debt. Max those cards out. In most states if you don't pay the balance, after 6 months the debt is time barred and you don't have to pay it. Then lock up your credit rating and claim id theft. Be sure to have no debts other than the cards. Wells Fargo ate $15k. Bankrupt these greedy grifting banks.
 
簡單規(guī)則。過期債務(wù)。把那些卡刷爆。在大多數(shù)州，如果你不還款，6個月后債務(wù)會過期，你就不需要還錢。然后鎖住你的信用評分并聲稱身份盜竊。確保除了卡債之外沒有其他債務(wù)。富國銀行損失了1.5萬美元。破產(chǎn)這些貪婪的銀行。
 
@miyakawaso
The practice that gets me is allowing autopay for minimum credit card payments. If consumers had to fully reckon with their increased interest charges each month there'd be a lot less debt.
 
讓我困惑的是允許自動支付最低信用卡還款。如果消費者每個月都得完全承擔(dān)增加的利息費用，債務(wù)就會少得多。
 
@blueee_pineappl3s
It's because people who sign up for the cards have no control over their spending and don't know how they work.
 
因為那些申請信用卡的人沒有控制自己的消費，也不知道它們是如何運作的。
 
@fredhadley739
For a financial reporter to say a young person needs to use credit to have a decent life is STUPID. IF a young person can make minimum payments, he/she would be far better off saving for the purchase rather than financing. Debt should not be the norm. FOMO should not be a thing. There is no sofa, vacation, dinner out, etc., that is worth going into debt.
 
一個金融記者說年輕人需要使用信用卡才能過得體面，這真是蠢。如果一個年輕人能支付最低還款，他/她還不如存錢去購買，而不是融資。債務(wù)不應(yīng)該是常態(tài)。FOMO（錯失恐懼癥）不應(yīng)該成為問題。沒有什么沙發(fā)、假期、外出就餐等值得為此負債。
 
@LFMcD
You have to pay a credit card off monthly or you will be in debt in no time. If you dont have the money, dont buy. The inability to understand a want and a need is the cause of debt. If they still had Home Economics classes in schools, money management is one of the main things taught.
 
你必須每月還清信用卡，否則很快就會陷入債務(wù)。如果你沒有錢，就不要買。無法分辨欲望和需求是債務(wù)的根源。如果學(xué)校還開設(shè)家庭經(jīng)濟學(xué)課程，理財管理是其中的主要內(nèi)容之一。
 
@HonuFlight
Are we seriously blaming credit card companies for irresponsible usage? DO NOT buy things you can't afford. Pretty simple concept.
 
我們真的要把信用卡公司對不負責(zé)任的使用負責(zé)嗎？不要買你買不起的東西。這個概念很簡單。
 
@duaynecollins9994
Just paid off my last card end of last year. I will never get another credit card again. It’s a scam. Save 10% of something you didn’t really need, at 36% interest.
 
我在去年年底還清了最后一張信用卡。我再也不會辦信用卡了。這是個騙局。為了省下10%的你根本不需要的東西，付36%的利息。
 
 
@feamatar
I find it a laughable concept that a poor man needs a credit card to live a decent life in any country. If day-to-day purchases require a credit card that will eventually lead to homelessness not to a decent life.
 
我覺得一個窮人需要信用卡才能在任何國家過體面的生活，這個概念真是可笑。如果日常消費需要信用卡，最終會導(dǎo)致無家可歸，而不是過上體面的生活。
 
@amberstephens6167
I work in retail and the store is number 1 but I always let the customer know that the store card is a credit card and if they want to apply for it to let me know. I never want the customer to fill like they have sign up for a store card.
 
我在零售業(yè)工作，店里是第一名，但我總是讓顧客知道，店鋪卡是一張信用卡，如果他們想申請，告訴我一聲。我從不想讓顧客覺得他們必須申請店鋪卡。
 
@SamiUddin13
Everytime I use my credit card, I make sure I have the money ahead of time so I don't end up in debt. And once the balance hits the credit card account, I pay it off immediately to increase my credit score.
 
每次我使用信用卡時，我都會確保提前有足夠的錢，這樣就不會陷入債務(wù)。一旦信用卡賬戶上有余額，我立即還清它，以提高我的信用評分。
 
@goldwinger5434
The way to avoid credit card problems is to avoid credit.  I use a card for everything for convenience.  However, I pay that card off every payday.
 
避免信用卡問題的方法就是避免使用信用。為了方便，我所有消費都用信用卡，但我每到發(fā)薪日就還清賬單。
 
@drplando14
I love to shop so I use the card to pay for gas, groceries, restaurants, etc. and get the points. As soon as the transaction goes through I pay off the card so I never carry a balance. They also have promotions for extra points so I get those too. A few months ago I had about three hundred dollars worth of points so I go shopping and never go over my points. All my clothes are essentially free because all I pay is about $2 for the tax.
 
我喜歡購物，所以用信用卡支付加油、買菜、吃飯等，順便賺積分。交易一完成我就還清賬單，從不留余額。他們還有額外積分促銷，我也會參加。幾個月前我有三百美元的積分，就用積分去買東西，從不超出積分額度。我的衣服基本上都是免費的，我只付大約2美元的稅。