信用卡是个好东西，可以为我们在急需钱的时候提供资助，然而，它还是一把双刃剑。如果利用不当的话，它可能会给你带来很大的风险甚至会使你达到一穷二白的境地。
请将下面这段中文翻译成英文：
信用卡(credit card)是由银行发行的卡，持卡人可以凭卡赊购(buy on credit) 商品和服务。使用信用卡最大的好处就是能给持卡人带来极大的方便。人们可以 使用信用卡赊购他们需要的东西，并在一段时期内付淸欠款,而不必随身携带大量的现金。但如此的便利也带来了一些问题，如恶意透支(malicious overdraft)。还会剌激使用者超前消费，容易产生月光族。在消费的时候，使用信用卡会促使消费者更加冲动地购物，甚至购买一些平时不怎么用的商品。
参考译文：
A credit card is a card issued by a bank,allowing its holder to buy goods and services on credit.The most obvious advantage of credit card is the huge convenience it brings to card holders.People can use the cards to buy what they want on credit and pay off the debt over a period of time instead of carrying a large sum of cash with them.But such convenience also brings such problems as malicious overdraft and overconsumption which will easily reduce the card users to“moonlight group”.When shopping,consumers with credit cards will buy goods more impetuously.They will even buy something that is not often used in daily life.
词句点拨
1.赊购商品和服务:赊购可用短语buy...on credit来表达。故此处可译为buy goods and services on credit。
2.最大的好处:“大的好处”即“明显的好处”，故此处可译为the most obvious advantage。其中obvious意为“显著的”。
3.但如此的便利也带来了一些问题，如恶意透支…:可译为But such convenience also brings such problems as malicious overdraft"其中，使用“such+n.+as...”这个结构可以达到清晰列举事例的效果。例如，我们买了苹果、香蕉、葡萄等水果，即We bought such fruits as apples,bananas,grapes,etc.
4.恶意透支和超前消费:分别可译为名词短语malicious overdraft和over-consumption。