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1. how to win a speech competition⭐??? ?⭐?? ??? ???? ????, ??, ??? ? ???? ??? ?????.The sharp rise in the delinquency rate among the credit card companies is largely due to the influx of mid- to low-credit borrowers turning to card loans. As borrowing from savings banks and private lenders becomes increasingly difficult, these financially vulnerable borrowers opted for card loans instead. ????? 2021? 7? ??????? 20%? ??? ?? ???? ???? ????? 22～23%? ?? ??????? ????? ??? ????? ?? ?? ???? ??.

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