リボ払い

• 读法: リボばらい
• 罗马字: ribo barai
• 汉字拆解: リボ (from English 'revolving,' shortened from リボルビング) + 払い (payment; from 払う = to pay) → revolving credit payments
• 发音: /ɾi.bo.ba.ɾa.i/

含义

信用卡循环还款，无论总余额多少每月只还固定金额——被普遍认为是危险的债务陷阱。

リボ払い是日本最受警告的金融产品之一。信用卡公司大力推销它（有些甚至自动为客户开通），但高利率（15%以上）和看似很少的月供可以让人深陷多年债务。'リボ払いの恐怖'（循环还款的恐怖）是理财科普内容的经典主题。很多人直到发现余额明明每月都在还却一直没减少时，才意识到自己被设成了循环还款。

例句

1. リボ払いにしてたの気づかなくて、利息だけで10万円超えてた。 没注意到被设成了循环还款，光利息就超过了10万日元。
2. クレジットカード作るとき、リボ払いだけは絶対設定しないで。 办信用卡的时候，循环还款千万别设。
3. リボ払いの怖さを知らない若者が多すぎると思う。 我觉得不了解循环还款可怕之处的年轻人实在太多了。

用法指南

语境: financial planning, social media, warnings, credit cards

语气: cautionary, alarmed

正确说法

• 循环还款是真的最好别用。（You really should avoid revolving payments.）
• 如果发现自己在用循环还款，赶紧切换到一次性还清。（If you realize you're on revolving payments, switch to lump-sum repayment immediately.）

错误说法

• 你在用循环还款？是不是傻？'这种话会把对方逼到绝路——很多人并不是自愿选择的（Saying 'Are you using revolving payments? Are you stupid?' corners the person — many didn't choose it knowingly）

常见错误

• Thinking リボ払い is the same as installment payments (分割払い) — installment payments have a set end date, while リボ払い can extend indefinitely as new purchases are added

起源与历史

From English 'revolving' (リボルビング, shortened to リボ) + 払い (payment). Revolving credit was introduced to Japan's credit card market in the 1990s-2000s. Financial literacy advocates have increasingly warned about its dangers.

文化背景

时代: 1990s-2000s introduction, awareness campaigns from 2010s

世代: All credit card users, warnings targeted at young adults

社会背景: Universal risk among credit card users

地区说明: Used across all of Japan. Consumer protection agencies and financial literacy advocates actively warn against リボ払い. Some credit card companies have been criticized for auto-enrolling customers.