Today, with the development of Internet, many traditional ways of life have been changed, especially the way to pay for purchase. The record of credit occupies important role for everybody, and they need good credit to get loan, so as to start their business or buy a house. We have come to the age of credit.今天，随着互联网的发展，许多传统的生活方式发生了改变，特别是购买方式。信用记录对每个人都有着非常重要的作用，他们需要良好的信贷来获得贷款，从而开始他们的生意或者买房子。我们已经到了信用时代。There is a very classic example about the importance of credit. A Chinese man took the train in Europe. He found no one checked the ticket, so he just skipped the ticket. He thought he had saved the little money, but when he came to the bank and wanted to get the loan, he got rejected, because his record of credit showed he had skipped the ticket, which made him the unreliable man. 关于信用的重要性有一个很经典的例子。一名中国男子在欧洲乘坐火车时，发现没有人检查车票，所以他就逃票。他以为自己攒下了那一笔钱，但当他来到银行想要贷款时，却被拒绝了，因为他的信用记录显示他曾经逃票，这使他成了一个信用不好的人。The record of credit is the main basis when people asked for loan. The banks consider the account of money they would borrow according to the credit, or the departments will check a person’s credit to see if they want to hire him. The age of credit asks for us to behave ourselves well, or we will live the tough life.信用记录是人们申请贷款的主要依据。银行会根据他们的信用进行借款，或者有关部门会通过他们是否愿意雇用他来查看一个人的信用。信用时代要求我们表现良好，否则我们会过着艰苦的生活。