Those carrying a credit card balance should scale back to making the minimum payment each month so they have more money to put into savings.
那些拥有信用卡余额的人应该缩减到每月支付最低金额，这样他们就有更多的钱存起来。
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Balance
那些拥有信用卡余额的人应该缩减到每月支付最低金额，这样他们就有更多的钱存起来。