Often there'll be a car loan and perhaps a mortgage, but credit cards often seem to be the gateway to debt-related financial difficulties for many.
人们大多背负着车贷，或许还有房贷，但对许多人来说信用卡往往才是导致债务困难的原因。
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As a college graduate with no student loan, no car repayments, and no mortgage, credit CARDS have helped me 'get into the system' and build a strong credit profile.