12.28 counterproductive

1) 翻译：在努力省钱的同时靠信贷生活会适得其反。

Living on credit while trying to save money is counterproductive.

2) Without right strategy, studying hard can be counterproductive.

3) 其他积累：

A counterproductive rent-control regime has crimped the supply of flats in particular, and led to long waiting lists.

租金定价制度产生了适得其反的效果，显著阻碍了公寓供应，并导致了漫长的等候名单。

It is counter-productive to address an interviewee in patronizing tones.

以盛气凌人的语气同面试者讲话将会适得其反。