刚毕业时，他因为分期购物累积了不少卡债，后来制定预算，花了两年才还清这些卡债。
When he had just graduated, he accumulated quite a bit of credit card debt through installment purchases; later, he made a budget and took two years to pay it all off.
When he had just graduated, he accumulated quite a bit of credit card debt through installment purchases; later, he made a budget and took two years to pay it all off.