The credit card business is down, and more borrowers are defaulting on loans.信用卡业务出现了下滑，而且越来越多的借款者都不按期还款。The district attorney proceeded against the defaulting debtor.地方检查官起诉不履行债务的债务人。The credit-card business is down, and more borrowers are defaulting on loans.信用卡行业低迷，越来越多的借款人都在拖欠贷款。