I don't have any cash, so I'll have to give you an IOU.我没有现金,所以只好写张欠条给你。If damaged items have to be returned, the manufacturer may issue a credit note.损坏的商品如需退回厂家,厂家可开具欠条。There was anger among farmers, who were being given IOUs instead of cash for their crops.农民们感到愤怒,他们卖了农作物拿到的不是钱,而是欠条。