求翻译：信用卡消费作为超前消费的一种形式，是消费者理性的、有计划的提前消费，是以将来稳定收入为基础的消费，而不是随意没有保证的挥霍。是什么意思？

A form of credit card consumption as excessive consumption, consumers are rational, planned in advance consumption is stable income-based consumption in the future, rather than arbitrarily guaranteed squandered.

Credit card consumption as a consumer of a form ahead, consumers are rational, systematic advance to future consumption is stable income-based consumer, instead of arbitrarily do not guarantee the overspending.

The credit-card purchase took the runahead consumption one form, is the consumer rational, has the plan to expend ahead of time, will be take the future stable income as the foundation expense, but will not be does not have guarantee spending freely at will.

Credit cards as a form of excessive consumption, is rational and planned in advance of the consumer consumption, is based on a stable income in the future consumption, rather than random there is no guarantee that profligacy.

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