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<article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:ali="http://www.niso.org/schemas/ali/1.0/" article-type="research-article" dtd-version="1.2" xml:lang="en"><front><journal-meta><journal-id journal-id-type="publisher-id">Russian Journal of Linguistics</journal-id><journal-title-group><journal-title xml:lang="en">Russian Journal of Linguistics</journal-title><trans-title-group xml:lang="ru"><trans-title>Russian Journal of Linguistics</trans-title></trans-title-group></journal-title-group><issn publication-format="print">2687-0088</issn><issn publication-format="electronic">2686-8024</issn><publisher><publisher-name xml:lang="en">Peoples’ Friendship University of Russia named after Patrice Lumumba (RUDN University)</publisher-name></publisher></journal-meta><article-meta><article-id pub-id-type="publisher-id">21770</article-id><article-id pub-id-type="doi">10.22363/2312-9182-2019-23-3-642-658</article-id><article-categories><subj-group subj-group-type="toc-heading" xml:lang="en"><subject>Articles</subject></subj-group><subj-group subj-group-type="toc-heading" xml:lang="ru"><subject>Статьи</subject></subj-group><subj-group subj-group-type="toc-heading" xml:lang="zh"><subject>Articles</subject></subj-group><subj-group subj-group-type="article-type"><subject>Research Article</subject></subj-group></article-categories><title-group><article-title xml:lang="en">A Fool and his Money are Soon Parted: A Critical Examination of Credit Card Websites</article-title><trans-title-group xml:lang="ru"><trans-title>У дурака деньги долго не держатся: критический анализ веб-сайтов кредитных карт</trans-title></trans-title-group></title-group><contrib-group><contrib contrib-type="author"><name-alternatives><name xml:lang="en"><surname>Mooney</surname><given-names>Annabelle</given-names></name><name xml:lang="ru"><surname>Муни</surname><given-names>Аннабель</given-names></name></name-alternatives><bio xml:lang="en">Professor of Language and Society at the University of Roehampton, UK. Her research interests include the language of money and financial literacy, and the language of human rights</bio><bio xml:lang="ru">профессор Рохэмптонского университета (Великобритания). К ее науч- ным интересам относятся «язык денег», финансовая грамотность и язык прав человека</bio><email>a.mooney@roehampton.ac.uk</email><xref ref-type="aff" rid="aff1"/></contrib></contrib-group><aff-alternatives id="aff1"><aff><institution xml:lang="en">University of Roehampton</institution></aff><aff><institution xml:lang="ru">Рохэмптонский университет</institution></aff></aff-alternatives><pub-date date-type="pub" iso-8601-date="2019-12-15" publication-format="electronic"><day>15</day><month>12</month><year>2019</year></pub-date><volume>23</volume><issue>3</issue><issue-title xml:lang="en">VOL 23, NO3 (2019)</issue-title><issue-title xml:lang="ru">ТОМ 23, №3 (2019)</issue-title><fpage>642</fpage><lpage>658</lpage><history><date date-type="received" iso-8601-date="2019-09-20"><day>20</day><month>09</month><year>2019</year></date></history><permissions><copyright-statement xml:lang="en">Copyright ©; 2019, Mooney A.</copyright-statement><copyright-statement xml:lang="ru">Copyright ©; 2019, Муни А.</copyright-statement><copyright-statement xml:lang="zh">Copyright ©; 2019, Mooney A.</copyright-statement><copyright-year>2019</copyright-year><copyright-holder xml:lang="en">Mooney A.</copyright-holder><copyright-holder xml:lang="ru">Муни А.</copyright-holder><copyright-holder xml:lang="zh">Mooney A.</copyright-holder><ali:free_to_read xmlns:ali="http://www.niso.org/schemas/ali/1.0/"/><license><ali:license_ref xmlns:ali="http://www.niso.org/schemas/ali/1.0/">https://creativecommons.org/licenses/by-nc/4.0</ali:license_ref></license></permissions><self-uri xlink:href="https://journals.rudn.ru/linguistics/article/view/21770">https://journals.rudn.ru/linguistics/article/view/21770</self-uri><abstract xml:lang="en">This paper critiques the idea that a fool and their money are soon parted by using multimodal analysis to explore one of the ways in which people are parted from money: credit cards. I analyse the homepages of two products, the ‘best’ and ‘worst’ as rated by UK consumer organisation Which? In order to understand the range of communication used in these websites, I employ a multimodal analysis of their language, choice of colour, typeface, layout and images (Kress &amp; van Leeuwen 2006; van Leeuwen 2005, 2011). Together, these show that the individual is constructed in different ways by the two products. For the card rated best, the viewer is constructed as a trustworthy consumer who is rewarded for this with further opportunities for consumption. For the card rated as worst, the viewer is positioned as a failed, but redeemable, consumer. The different constructions of the consumer also suggest that ‘credit’ is desirable but ‘debt’ is not. Taking into account the moral complexity of debt, I suggest that the lexical item credit card would be better changed to debt token . I argue that the real foolishness is the system itself, the one that credit cards (‘debt tokens’) index and exemplify. Taking the two sites together, I show that consumption is constructed as both desirable and risky. As credit cards construct the individual as an (isolated) person with few rights and great responsibility (Henry 2010), I suggest that these sites index the central role of the individual as a consumer. A good citizen is parted from their money.</abstract><trans-abstract xml:lang="ru">В статье дается критический анализ идеи о том, что «у дурака деньги долго не держатся». С использованием мультимодального анализа рассматривается один из способов расставания человека с деньгами с помощью кредитных карт. Анализируются вебстраницы двух продуктов - «лучшего» и «худшего», согласно обществу потребителей Великобритании. Для того, чтобы осмыслить набор · Английская пословица. коммуникативных средств, применяемых на этих сайтах, используется мультимодальный анализ языка, выбора цветов, шрифта, расположения и картинок (Kress &amp; van Leeuwen 2006; van Leeuwen 2005, 2011). В совокупности эти средства показывают разные способы конструирования образа индивидуума на двух сайтах. «Лучшая» карта ассоциируется с образом надежного потребителя, вознаграждаемого за это дальнейшими возможностями потребления. Для «худшей» карты сконструирован образ потребителя-неудачника, вставшего на путь исправления. Различные конструкты потребителя также предполагают, что «кредит» является желанным, а «долг» - нет. Учитывая сложные моральные ассоциации с понятием долга, автор предлагает заменить лексему «кредитная карта» на «долговой жетон» и утверждает, что порочна сама система, символизируемая кредитной картой («долговым жетоном»). Сопоставление сайтов демонстрирует, что они характеризуют потребление одновременно как желаемое и рискованное. Поскольку кредитные карты конструируют индивидуума как (изолированную) личность с незначительными правами и огромной ответственностью (Henry 2010), высказывается мнение о том, что эти сайты указывают на центральную роль индивидуума как потребителя. У добропорядочного гражданина деньги долго не держатся.</trans-abstract><kwd-group xml:lang="en"><kwd>semiotics</kwd><kwd>multimodal communication</kwd><kwd>credit cards</kwd><kwd>debt</kwd><kwd>semiotics</kwd><kwd>ideology</kwd><kwd>consumption</kwd></kwd-group><kwd-group xml:lang="ru"><kwd>семиотика</kwd><kwd>мультимодальная коммуникация</kwd><kwd>кредитная карта</kwd><kwd>долг</kwd><kwd>семиотика</kwd><kwd>идеология</kwd><kwd>потребление</kwd></kwd-group></article-meta></front><body></body><back><ref-list><ref id="B1"><label>1.</label><mixed-citation>Brocklebank, J. and Pouler, S. (2003). Credit Card Loan Sharks. 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