[] (; ) loans made by banks and shops/stores to customers, that allow them to buy sth now and pay for it later 消费信贷（银行和商店给消费者赊购物品，款额以後偿还）◆In order to restrict consumer credit, the government is forced to raise interest rates. 为了限制消费信贷，政府被迫提高利率。◆Consumer credit fell by $82 million in October. 消费信贷十月份下降了 8 200 万元。◆a consumer credit agreement 消费信贷协议