短期: short term, short-term...
管用: efficacious, useful...
信用卡: credit card...
劣质: shoddy, of poor quality...
渠道: irrigation ditch, channel, means...
粥: congee, gruel, porridge...
乐: music...
一概: all, without any exceptions, categorically...
主妇: housewife, woman of senior authority in a household, the lady of the house, hostess...
弄: get, make...
