In America delinquency rates crept up in June for the first time since late 2021.

在美国，6 月份的拖欠率自 2021 年底以来首次攀升。

And high interest rates are heaping pressure on borrowers: the delinquency rate on credit cards has reached its highest in a decade.

高利率正在给借款人带来巨大压力：信用卡的违约率已经达到了十年来的最高水平。