It's going to affect rates on getting a loan to purchase a vehicle. Credit card loans.

这将影响获得贷款购买车辆的利率。信用卡贷款。

It's debt, consumer debt — credit cards, loans, catalogues, overdrafts — that sort of thing.

这是债务，消费者债务——信用卡、贷款、目录、透支——诸如此类。