信用卡 credit card

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信用卡常用术语Creditcardterm_金融银行英语词汇

国外留学与银行打交道的常用术语：·cash card（现金卡）：可以从银行或atm机提取现金·cheque guarantee card （支票保证卡）·debit card（借记卡）·credit card（信用卡）·current account（现金帐户）：用于存（deposit），取（withdraw），日常开支，通常利息较低或没有利息。

·saving account（存款帐户）·overdraft（透支）account number 帐目编号depositor 存户pay-in slip 存款单a deposit form 存款单a banding machine 自动存取机to deposit 存款deposit receipt 存款收据private deposits 私人存款certificate of deposit 存单deposit book, passbook 存折credit card 信用卡principal 本金overdraft, overdraw 透支to counter sign 双签to endorse 背书endorser 背书人to cash 兑现to honor a cheque 兑付to dishonor a cheque 拒付to suspend payment 止付cheque,check 支票cheque book 支票本order cheque 记名支票bearer cheque 不记名支票crossed cheque 横线支票blank cheque 空白支票rubber cheque 空头支票cheque stub, counterfoil 票根cash cheque 现金支票traveler s cheque 旅行支票cheque for transfer 转帐支票outstanding cheque 未付支票canceled cheque 已付支票forged cheque 伪支票bandar s note 庄票，银票balance sheet 资产负债表cash flow 现金流转glossary 术语表money order 汇款单，汇票letter of credit n.[商](银行发行的)信用证charge for 想...收费overdraw v.透支overdraft n.透支, 透支之款项endorse [in5dc:s] v.在(票据)背面签名, 签注(文件), 认可, 签署liability n.责任, 义务, 倾向, 债务, [负债], 与assets相对asset n.[资产], 有用的东西solvent adj. 有偿付能力的 n.溶媒, 溶剂, 解决方法securities n.有价证券time hull insurance 船舶定期保险marine insurance 海损保险maritime transportation insurance 海洋运输保险fire insurance 火险cargo insurance 货物保险account number - a unique number assigned by a financial institution to a customer. on a credit card, this number is embossed and encoded on the plastic card.additional cardholder - when you have a credit card, it is often possible to add an additional card to the account for use by someone else. the main cardholder holds responsibility for ensuring payments on the additional card are made. purchases are shown on the credit card statement, which is sent monthly.american express - also known as amex, this company is one of the main international credit card issuing schemes. it issues its own credit cards—unlike visa and mastercard—and is responsible for its own relationships with retailers.annual fee- an annual (yearly) fee associated with having a credit card. this is a separate fee from interest rate on purchases.annual percentage rate (apr)- the yearly percentage rate charged when a balance is held on a credit card. this rate is applied each month that an outstanding balance is present.approval response - an authorization response that is received when a transaction is approved.atm - automated teller machines or cash points allow you to access cash with a credit card or other card associated with your bank account. you need to enter your personal identification number (pin) into the machine to access cash.authentication - the process of assuring that data has come from its claimed source, or a process of corroborating the claimed identity of a communicating party.authorization - every retailer has a purchase limit abovewhich they must seek authorization from the card issuer before they can complete the sale. such authorization can be done by telephone or electronically at the cash till. authorization is used to control credit card fraud. the cardholder’s available credit limit is reduced by the authorized amount.authorization amount - currency amount approved.authorization code - a code that an issuer or its authorizing processor provides to indicate approval or denial for an authorization request.authorization date - date and time when the transaction was authorized.authorization only - a transaction that is created to reserve an amount against a credit card’s available limit for intended purchases; the actual settlement may occur within three to five days, depending on the card type.authorized amount - currency amount approved.authorized transaction - transaction that has been approved.balance transfer - when the outstanding balance of one credit card (or several credit cards) is moved to another credit card account.balance transfer fee - a fee charged by a credit card company to transfer a balance from one account to another. this fee can be anywhere from 1%-5% of the balance amount. however, many credit card companies do not charge this fee. contact the credit card issuer for their specific fees.bad credit - a term used to describe a poor credit rating. common practices that can damage a credit rating include making late payments, skipping payments, exceeding card limits or declaring bankruptcy. “bad credit” can result in being denied future credit.bank account - bank account number for the merchant to which funds will be deposited.bank identification number (bin) - the first six digits of a visa or mastercard account number. this number is used to identify the card-issuing institution.bankcard - a payment card issued by a bank.billing cycle - the time between billing statements, usually 28-31 days.business card (business credit card) - usually issued to corporate executives or business owners in order to more easily keep business expenses separate from personal charges.card issuer - any association member financial institution, bank, credit union, or company that issues, or causes to be issued, plastic cards to cardholders.card reader - a device that is capable of reading the encoding on plastic cards.cardholder - an individual to whom a card is issued, or who is authorized to use an issued card.cash advance - a cash loan from a credit card using an atm or bank withdrawal.cash back - cash back returns to you a percentage of the total amount spent on your credit card over a specific period of time, usually monthly or quarterly. this feature is particularly useful if you normally pay your credit card bills in full each month, as it means you get an effective discount on the products bought with your credit card.chargeback - a transaction returned through interchange by an issuer to an acquirer. a transaction may be returned because of it was non-compliant with the association rules and regulations or because it was disputed by a cardholder.chargeback period - the number of days from the transaction’s processing date or endorsement date, during which the issuer may initiate a chargeback.co-branded card - a co-branded credit card is sponsored by both the issuing bank and a retail organization, such as a department store or an airline. cardholders may get benefits, such as discounts or free merchandise, from the sponsoring merchant, based on account usage and terms.commercial cards - a general name for cards typically issued for business use and which may include corporate cards, purchase cards, business cards, travel and entertainment cards.credit card number - unique number assigned to a credit card.credit limit - how much total money can be charged to a credit card account, for example $5,000.credit history - a partial profile of your financial life, given within a particular timeframe (usually measured in years). your credit history shows the extent to which you pay your bills on time and how much you may owe particular parties. credit card issuers use this information to decide whether to provide customers with credit cards.debit - a charge to a customer’s bankcard account. a transaction, such as a check, automated teller machine (atm) withdrawal or point-of-sale (pos) debit purchase that debits a demand deposit account.expired card - a card on which the embossed, encoded or printed expiration date has passed.finance charge - fees and other costs billed to you on your statement for using the credit cards (i.e., balance transfer fees, cash advance fees, late fees, overlimit fees, etc.).fixed rate (or fixed apr) -an annual percentage rate that does not change throughout the year, unlike an introductory apr that changes after a specific period of time.floor limit - an amount that visa and mastercard have established for single transactions at specific types of merchant outlets and branches, above which authorization is required.fraudulent transaction - a transaction unauthorized by the cardholder of a bankcard. such transactions are categorized as lost, stolen, not received, issued on a fraudulent application, counterfeit, fraudulent processing of transactions, account takeover or other fraudulent conditions as defined by the card company or the member company.fraudulent user - an individual who is not the cardholder or designee and who uses a card (or, in a mail/phone order or recurring transaction, an account number) to obtain goods or services without the cardholder’s consent.grace period - a period of time during which you are allowed to pay your credit card bill without being charged a finance and/or late fee. this period is usually 10-28 days.introductory rate (or intro apr) - a temporary, lower annual percentage rate, after which the apr is raised.issuer - any association member financial institution, bank, credit union or company that issues, or causes to be issued, plastic cards to cardholders.magnetic stripe - a stripe of magnetic information that is affixed to the back of a plastic credit or debit card. this stripe contains customer and account information that is required to complete electronic financial transactions. the physical and magnetic characteristics of this stripe are specified in the international organization for standardization standards 7810,7811 and 7813.mail/phone order merchant - a merchant that transacts business by mail or phone.mail/phone order transaction - a transaction where a cardholder orders goods or services from a merchant by telephone, mail or other means of telecommunication, and where neither the card nor the cardholder is present at the merchant outlet.mastercard - mastercard international inc. and all of its subsidiaries and affiliates.mastercard acquirer - a member that signs a mastercard merchant agreement or disburses currency to a mastercard cardholder in a cash disbursement, and directly or indirectly enters the resulting transaction receipt into interchange.mastercard card - a card that bears the mastercard symbol, enabling a mastercard cardholder to obtain goods, services or cash from a mastercard merchant or acquirer.mastercard issuer - a member that issues mastercard cards.merchant - an entity that contracts with merchant banks or iso’s to originate transactions.merchant agreement - a written agreement between a merchant and a bank that contains their respective rights, duties and warranties, with respect to acceptance of the bankcard and matters related to the bankcard activity.merchant bank - bank that has a merchant agreement with a merchant to accept (acquire) deposits generated by bankcard transactions.minimum payment - the lowest amount of money that you are required to pay on your credit card statement each month.online financial transaction - a transaction that is authorized,cleared and settled in a single online message.overlimit - this refers to a cardholder account that has surpassed its credit limit with a transaction (i.e., the cardholder’s outstanding balance is beyond his/her credit limit).overlimit fee - a fee charged when your balance goes over your credit limit.password - a sequence of characters that allows users access to a system. although they are supposed to be unique, experience has shown that most people’s password choices are highly insecure. humans tend to choose short words, such as names, which are easy to guess.per transaction fees - fees paid by the merchant to the merchant bank or other contracted party on a per-transaction basis.pin (personal identification number) - a sequence of digits used to verify the identity of the holder of a token. the pin is a kind of password.plastic (card) - this is a generic term that is used to identify any of the various cards issued to cardholders.point of sale (pos) - location in a merchant establishment at which the sale is consummated by payment for goods or services received.policy - an informal, generally natural language description of desired system behavior. policies may be defined for particular requirements, such as confidentiality, integrity, availability, safety, etc.posting - the process of updating individual cardholder account balances to reflect merchandise sales, instant cash, cash advances, adjustments, payments and any other charges or credits.primary account number (pan) - the number that is embossed and/or encoded on a plastic card that identifies the issuer and the particular cardholder account.prime rate (or prime interest rate) - the interest rate at which banks lend to their most creditworthy (prime) customers. the prime rate is known to change but not on a regular basis.processing date - the date on which the transaction is processed by the acquiring bank.receipt - a hard copy document that records when a transaction took place at the point of sale. the receipt contains a description of the transaction, which usually includes the date, the merchant name/location, the primary account number, the amount and the reference number.recurring billing - transactions for which a cardholder grants permission to the merchant to periodically charge his account number for recurring goods or services.reference number - number assigned to each monetary transaction in a descriptive billing system. each reference number is printed on the monthly statement to aid in retrieval of the document, should it be questioned by the cardholder.refund –the creation of a credit to a cardholder account, usually as a result of a product return or to correct an error.retail merchant - a merchant that provides goods and/or services in the retail industry, but that is not a mail/phone merchant, a recurring services merchant or a t&e merchant.sales draft - a paper record that evidences the purchase of goods or services by a cardholder.secured credit cards - credit cards that require collateral (property, such as a house, car or deposit of money) for approval. generally, secured credit cards are for people with no credit orpoor credit who are trying to build or rebuild their credit history.service charge - a component of some finance charges, such as the fee for triggering an overdraft checking account into use.settlement - the reporting of settlement amounts owed by one member to another, or to a card issuing concern, as a result of clearing. settlement is the actual buying and selling of transactions between the merchants, processors and acquirers; along with the card-issuing entities.settlement bank - a bank, including a correspondent or intermediary bank, that is both located in the country where a member’s settlement currency is the local currency, and is authorized to execute settlement of interchange on behalf of the member or the member’s bank.smart card - a plastic card containing a computer chip with memory and cpu capabilities. such a card may be used for identification or to store information, financial amounts or other forms of data. also called an integrated circuit card or a chip card.standard floor limit - a floor limit that varies by merchant type. this refers to a currency limit on transactions, above which authorization requests are required.statement - a written record prepared by a financial institution, usually once a month, listing all transactions for an account, including deposits, withdrawals, checks, electronic transfers, fees and other charges, and interest credited or earned. the statement is usually mailed to the customer.stored-value card - a stored-value card is a credit-card-sized device that is implanted with a computer chip with stored money value. a reloadable stored-value card can be reused by transferring a dollar value to it from an automated teller machine or other device. a disposable card cannot be reloaded.transaction - (1) any agreement between two or more parties that establishes a legal obligation. (2) the act of carrying out such an obligation. (3) all activities affecting a deposit account that are performed at the request of the account holder. (4) all events that cause some change in the assets, liabilities or net worth of a business. (5) an action between a cardholder and a merchant or a cardholder and a member that results in activity on the cardholder account.transaction identifier - a unique 15-character value that visa assigns to each transaction and returns to the acquirer in the authorization response. visa uses this value to maintain an audit trail throughout the lifecycle of the transaction and all related transactions, such as reversals, adjustments, confirmations and chargebacks.unsecured credit cards - credit cards that are not secured by collateral. customers qualify for such cards based on their credit history, their financial strength and their earnings potential.user authentication - process of validating that a user is who s/he represents her/himself to be.validation code - a unique 4-character value that visa includes as part of the cps/atm program in each authorization response. this code ensures that key authorization fields are preserved in the clearing or settlement record.variable interest rate - with variable-rate cards, the apr changes when interest rates or other economic indicators change. also known as a floating rate.visa - visa international service association and all of its subsidiaries and affiliates.visa card - a card that bears the visa symbol and which enables a visa cardholder to obtain goods, services or cash froma visa merchant or acquirer.visa issuer - a member that issues visa cards.visa merchant - a merchant that displays the visa symbol and accepts all visa cards.voice authorization - an approval response that is obtained through interactive communication between an issuer and an acquirer, their authorizing processors or stand-in processing or through telephone, facsimile or telex communications.void transaction - a deletion of the transaction information.void(ed) - nullifies a transaction that has been recorded for settlement, but has not yet been settled. this removes the transaction from the batch of transactions to be settled.。

credit card的优缺点英语作文

credit card的优缺点英语作文优点：Credit cards have become an integral part of modern financial transactions, offering convenience, security, and financial flexibility to users worldwide. They enable individuals to make purchases without carrying cash or checks, and provide various rewards and benefits that enhance the overall spending experience.Disadvantages: However, credit cards also present potential pitfalls, such as high interest rates, fees, and the risk of accumulating debt if not managed responsibly. Over-reliance on credit can lead to financial strain and negatively impact credit scores, making it crucial for consumers to understand both the advantages and disadvantages before embracing this financial tool.段落1：引言优点：信用卡已成为现代金融交易不可或缺的一部分，为全球用户提供了便利性、安全性及财务灵活性。

它们使个人在无需携带现金或支票的情况下进行购物，并提供多种奖励和优惠，从而提升整体消费体验。

credit card的优缺点英语作文

credit card的优缺点英语作文回答1:Credit cards have become an integral part of our modern society, offering convenience and flexibility in our daily financial transactions. However, like any financial tool, credit cards come with their own set of advantages and disadvantages.One major advantage of credit cards is the convenience they provide. With a credit card, you can make purchases online or in stores without the need for cash. This is especially beneficial when traveling, as you don't have to carry large amounts of money with you. Furthermore, credit cards offer a grace period before the payment is due, allowing you to make purchases and pay for them later.Another advantage of credit cards is the ability to build credit history. By using a credit card responsibly, making payments on time, and keeping your credit utilization low, you can establish a good credit score. A good credit score is essential for obtaining loans, mortgages, or even renting an apartment. It demonstrates your financial responsibility andtrustworthiness.Credit cards also offer various rewards and benefits. Many credit card companies provide cashback, travel rewards, or points that can be redeemed for merchandise or discounts. These perks can add value to your purchases and save you money in the long run. Additionally, credit cards often come with additional insurance coverage, such as travel insurance or purchase protection, which can provide peace of mind when making expensive purchases or traveling abroad.However, credit cards also have their downsides. One major disadvantage is the potential for overspending and accumulating debt. With easy access to credit, it can be tempting to spend beyond your means, leading to a cycle of debt. High interest rates on credit card balances can quickly accumulate, making it difficult to pay off the debt in a timely manner.Another disadvantage is the risk of fraud and identity theft. Credit card information can be stolen or compromised, leading to unauthorized charges or even the theft of your identity.While credit card companies have implemented security measures to prevent fraud, it's still important to monitor your statements regularly and report any suspicious activity immediately.In conclusion, credit cards offer convenience, flexibility, and the opportunity to build credit history. They also come with rewards and benefits that can enhance your purchasing power. However, it's crucial to use credit cards responsibly and avoid overspending or falling into debt. Regular monitoring of your statements and taking necessary precautions against fraud are also essential.回答2:Advantages and Disadvantages of Credit CardsCredit cards are a convenient and widely accepted form of payment that allows you to make purchases now and pay for them later. However, there are both advantages and disadvantages to using credit cards.Advantages:1. Convenience: Credit cards are very convenient to use. You don't have to carry cash or checks around with you, and you can make purchases online or over the phone.2. Rewards: Many credit cards offer rewards programs that allow you to earn points, miles, or cash back for every dollar you spend. These rewards can add up quickly and can be used for things like travel, merchandise, or statement credits.3. Build credit: Using a credit card responsibly can help you build your credit history and improve your credit score. This can make it easier to get approved for loans, mortgages, or other credit cards in the future.4. Protection: Credit cards offer protection against fraud and unauthorized purchases. If your card is lost or stolen, you can report it and won't be responsible for any fraudulent charges.Disadvantages:1. High interest rates: Credit cards often come with highinterest rates, especially if you carry a balance from month to month. This can add up quickly and make it difficult to pay off your debt.2. Fees: Credit cards may also come with annual fees, late payment fees, or other charges that can add to the cost of using them.3. Temptation to overspend: Credit cards can make it easy to overspend and accumulate debt. It's important to use them responsibly and only spend what you can afford to pay back.4. Credit damage: If you don't use your credit card responsibly and miss payments or carry a high balance, it can damage your credit score and make it harder to get approved for credit in the future.Credit cards can be a useful tool if used responsibly. However, it's important to weigh the advantages and disadvantages and use them wisely to avoid getting into debt.信用卡的优缺点信用卡是一种方便、广泛接受的支付方式，允许您现在购买并以后付款。

金融英语口语大全)第11期：Credit card

金融英语口语大全)第11期：Credit card New Words新单词convenient adj.便利的，方便的negotiation n.谈判，协商figure v.估计，揣测vacant adj.空的position n.职位chapter n.章，回detail n.细节section n.insurance n.保险customs n.关税，海关regulation n.规章，条例invitation n.请帖，邀请Phrases & expressions短语汇credit card信用卡life insurance人生保险，人寿保险Angel Falls安吉耳瀑布.在委内瑞拉境内，为世界是高之瀑布。

1.Have you ever seen a credit card?1.你见过信用卡吗？Yes, I have. It's very convenient to use while travelling.我见过，在旅游时使用很方便。

2.Has she decided yet?2.她已决定了没有？Yes, she has. Tomorrow she shall start our new business.她已决定，明天开始新的营业。

3.Have you finished the negotiation with the foreigners? 3.你同外商的谈判是否已经结束？No, not yet. We figure we have two more days of discussion.还没有，估计还得讨论两天。

4.Have all the vacant positions been filled yet?4.所有空缺的职位是否已满了？Yes, they have.是，已满了。

5.Have I explained the first chapter clearly?5.我是否已很清楚地讲了第一章内容？Yes, except for a few details in the second section.挺清楚的，不过第二节内还有些细节有点模糊。

为什么是信用卡是creditcard，储蓄卡是debitcard？

为什么是信⽤卡是creditcard，储蓄卡是debitcard？信⽤卡英⽂是credit card，容易理解，是基于个⼈信⽤（credit），信⽤卡也叫「贷记卡」。

储蓄卡英⽂是debit card，也叫借记卡，这是⽐较专业的说法，但和「借」有什么关系呢，很难理解。

有⼈说，你存在储蓄卡⾥的钱相当于借给银⾏的，所以是借记卡，这虽然说得通，但并不是专业的解释。

因为这⾥的「借」和「贷」是财务术语，来⾃复式记账法，和这两个字的本⾝的意思没有任何关系。

复式记账法（double entry bookkeeping）指⼀笔资⾦的变动同时在两个账户⾥记录，区别于只记录收⼊多少和⽀出多少的单边流⽔账。

简单的记账，如果只是⼯资收⼊和⽇常开⽀，⽤单边流⽔账就可以搞定，但复杂的记账，⽤流⽔账来记不知道怎么记，就算记了也是⼀笔糊涂账。

⽐如，⾃⼰的钱先垫付了出差费⽤，要报销。

向朋友借了10万买房。

帮朋友代购了护肤品，⽇后朋友要还。

分期付款买了⼀个东西，流⽔账上是⼀次性记录总⽀出，还是只记每个⽉该还的部分？如果记录总⽀出，但实际上未还部分⼜在⾃⼰⼿⾥，给⾃⼰⼀种现⾦还很多的假象。

如果只记录⽉供⽀出，但实际上你⽋的钱远远⽐⽉供多。

炒股，如果你总投资⾦额是固定的还好，到最后退出的时候，你是赚还是亏就都⼀⽬了然。

但在⽜市的时候，⼤部分⼈都是⼀有钱就投进去，甚⾄还不惜借钱炒股或者加杠杆炒股，炒到最后多少⼈连⾃⼰本⾦到底是多少都搞不清了？借来的钱炒股，到底算本⾦还是什么，浮亏和浮盈，这个账到底怎么记？都是糊涂账。

企业记账与此类似，⾮常复杂，不但关注收⼊和⽀出，还需要关注现⾦流，以及钱到底花到哪⾥去了，13世纪意⼤利⼈发明了复式记账法，就很好的解决了这个问题，复式记账法⽤debit（借）和credit（贷）作为记录符号，英⽂⾥的debit和credit也⼀样，和字⾯上的debit（债务，和debt很像）和credit（信⽤）没有任何关系。

旅游常用英语口语：信用卡支付

旅游常用英语口语：信用卡支付如果你超级不喜欢携带大量外币现金去“SHOPPING血拼”的不方便，今天这句口语你肯定会用得到!它就是：May I pay by credit card?我可以用信用卡支付吗?这个句子很简单吧?而且句中的May I…可以和Can I… / Could I…替换使用。

还有我们之前学过的Do you mind if I…同样可以搭配这个句子哦：比如：Do you mind if I pay by credit card?你介意我刷卡支付吗?Do you mind if I pay in check?你介意我用支票付款吗?↓↓↓如果遇到现金不够用的情况，该怎么向工作人员说明呢?你可以说：Sorry, I don't have any cash now, may I pay by credit card?不好意思，我身上现在没有现金了，能刷信用卡支付吗?I haven’t got enough cash. Do you accept VISA?我的现金不够，用维萨卡支付可以吗?小扩展：付款的时候，除了Pay(付款)，我们也可以使用Accept(“接受，同意”的意思)来表示。

你可以用下面的句子记住这两个单词，一举两得哦：They don't accept cash，you have to pay by credit card.他们不收现金，你得刷信用卡支付。

↓↓↓>>>> 支付方式汇总：Cash：现金VISA：维萨卡，一种国际信用卡Credit Card：信用卡UnionPay：银联Pay by Wechat /Alipay/Apple Pay用微信/支付宝/苹果支付付款我们使用手机端支付可能会有折扣，你可以问下收银员：Do you have any discount if I pay by Wechat /Alipay/Apple Pay?如果我微信/支付宝/苹果支付付款有折扣吗?discount：折扣、优惠公众号：唯学旅游英语。

信用卡怎么申请？什么是信用卡？

信用卡怎么申请？什么是信用卡？贷记卡是发卡银行提供银行信用款时，先行透支使用，然后再还款或分期付款，国际上流通使用的大部分都是这类卡。

也就是说允许持卡人在信用卡账户上无存其清偿的方式为“先消费，后存款”。

国际上流通使用的大部分都是这类卡。

信用卡怎么申请？什么是信用卡？什么是信用卡？信用卡（英语：CreditCard），又叫贷记卡。

是一种非现金交易付款的方式，是简单的信贷服务。

信用卡一般是长85.60毫米、宽53.98毫米、厚1毫米的具有消费信用的特制载体塑料卡片。

是银行向个人和单位发行的，凭此向特约单位购物、消费和向银行存取现金，其形式是一张正面印有发卡银行名称、有效期、号码、持卡人姓名等内容，背面有磁条、签名条。

信用卡由银行或信用卡公司依照用户的信用度与财力发给持卡人，持卡人持信用卡消费时无须支付现金，待账单日（英语：BillingDate）时再进行还款。

信用卡分为贷记卡和准贷记卡，贷记卡是指银行发行的、并给予持卡人一定信用额度、持卡人可在信用额度内先消费后还款的信用卡；准贷记卡是指银行发行的，持卡人按要求交存一定金额的备用金，当备用金账户余额不足支付时，可在规定的信用额度内透支的准贷记卡。

所说的信用卡，一般单指贷记卡。

信用卡的种类（一）按发卡机构不同，可分为银行卡和非银行卡（1）银行卡。

这是银行所发行的信用卡，持卡人可在发卡银行的特约商户购物消费，也可以在发卡行所有的分支机构或设有自动柜员机的地方随时提取现金。

（2）非银行卡。

这种卡又可以具体地分成零售信用卡和旅游娱乐卡。

零售信用卡是商业机构所发行的信用卡，如百货公司、石油公司等，专用于在指定商店购物或在汽油站加油等，并定期结账。

旅游娱乐卡是服务业发行的信用卡，如航空公司、旅游公司等，用于购票、用餐、住宿、娱乐等。

（二）按发卡对象的不同，可分为公司卡和个人卡（1）公司卡。

公司卡的发行对象为各类工商企业、科研教育等事业单位、国家党政机关、部队、团体等法人组织。

四级作文：CreditCards信用卡

四级作文：CreditCards信用卡无论在学习、工作或是生活中，大家总少不了接触作文吧，作文是通过文字来表达一个主题意义的记叙方法。

一篇什么样的`作文才能称之为优秀作文呢？下面是小编收集整理的四级作文：Credit Cards 信用卡，仅供参考，欢迎大家阅读。

Credit Cards1.越来越多的人使用信用卡2.信用卡的弊端3.信用卡有哪些好处可参考［对比选择型模板］Credit CardsPersonal credit cards are becoming more common in China. Banksand other financial institutions are encouraging their customers to change theway they buy things. Credit cards, otherwise known as “plastic money”，arebeing offered on very good terms to encourage the change. Consumers will beable to “buy now, pay later”，and many see this as an advantage。

(描述现象段)But people need to be careful. There are dangersassociated with credit cards. Some people find it very easy to exceed theirbudget. They are tempted to purchase goods that they do not really need, andcan become quickly overburdened by debt. The credit cards often charge a highrate of interest, which exacerbates the problems for these people。

信用卡（英文：CreditCard）

展开按是否联名发行分：联名卡、标准卡(非联名卡)，认同卡。

按卡片形状及材质分：标准卡、迷你卡、异型卡、透明卡等。

按信息储存介质分：磁条卡、芯片卡。

按卡片间的关系分：主卡、附属卡。

按持有人的身份分：个人卡、公务卡、公司卡。

此外，中国大陆地区对信用卡的范围与国际有所不同。

中国大陆的信用卡广义指贷记卡和准贷记卡；狭义指贷记卡。

即中国大陆的狭义上的信用卡与国际上所指的信用卡一致。

中国内地所指的信用卡包括贷记卡、准贷记卡两大类。

而国际上所称的信用卡，只是指中国内地所称的贷记卡。

贷记卡、准贷记卡与借记卡三者之间的区别是：贷记卡持有人不必在账户上预先存款就可以透支消费，之后按银行规定还款就行了，可以享受一定时间的免息期。

借记卡说穿了是一种储蓄卡，需要先存款后消费，不能透支。

准贷记卡是在社会诚信体系不完善的环境下，通过某种担保或预存保证金才可以有条件、有限度透支消费的信用卡，这种具有"中国特色"的信用卡正在退出金融领域。

编辑本段信用卡分期付款信用卡分期付款就是指持卡人使用信用卡进行大额消费时，由发卡银行向商户一次性支付持卡人所购商品（或服务）的消费资金，并根据持卡人申请，将消费资金分期通过持卡人信用卡账户扣收，持卡人按照每月入账金额进行偿还的业务。

国内银行绝大多数都有信用卡分期付款业务，分期付款一般根据场合的不同分为商场（POS）分期、通过网络、邮寄等方式进行的“邮购分期”与账单分期。

商场分期又称为POS分期，是指持卡人到购物场所，如可以进行分期的“商场”进行购物。

在结账时，持该商场支持分期的信用卡说明需分期付款。

则收银员将会按照持卡人要求的期数(如3期、6期、12期等，少数商场支持24期)，在专门的POS机上刷卡。

注意：在进行商场分期的时候，需要进行持卡人身份验证，所以切记带上身份证。

商场分期一般3期免手续费。

6期和12期的费率各银行收费标准不同。

分期付款的商品只要是该商场正常销售的商品，一般均可以进行分期。

信用卡常用术语Credit card term

信用卡常用术语Credit card term信用卡常用术语Credit card term信用卡常用术语Credit card term国外留学与银行打交道的常用术语：cash card（现金卡）：可以从银行或atm机提取现金cheque guarantee card （支票保证卡）debit card（借记卡）credit card（信用卡）current account（现金帐户）：用于存（deposit），取（withdraw），日常开支，通常利息较低或没有利息。

saving account（存款帐户）overdraft（透支）account number 帐目编号depositor 存户pay-in slip 存款单a deposit form 存款单a banding machine 自动存取机to deposit 存款deposit receipt 存款收据private deposits 私人存款certificate of deposit 存单deposit book, passbook 存折credit card 信用卡principal 本金overdraft, overdraw 透支to counter sign 双签to endorse 背书endorser 背书人to cash 兑现to honor a cheque 兑付to dishonor a cheque 拒付to suspend payment 止付cheque,check 支票cheque book 支票本order cheque 记名支票bearer cheque 不记名支票crossed cheque 横线支票blank cheque 空白支票rubber cheque 空头支票cheque stub, counterfoil 票根cash cheque 现金支票traveler s cheque 旅行支票cheque for transfer 转帐支票outstanding cheque 未付支票canceled cheque 已付支票forged cheque 伪支票bandar s note 庄票，银票balance sheet 资产负债表cash flow 现金流转glossary 术语表money order 汇款单，汇票letter of credit n.[商](银行发行的)信用证charge for 想...收费overdraw v.透支overdraft n.透支, 透支之款项endorse [in5dc:s] v.在(票据)背面签名, 签注(文件), 认可, 签署liability n.责任, 义务, 倾向, 债务, [负债], 与assets相对asset n.[资产], 有用的东西solvent adj. 有偿付能力的n.溶媒, 溶剂, 解决方法securities n.有价证券time hull insurance 船舶定期保险marine insurance 海损保险maritime transportation insurance 海洋运输保险fire insurance 火险cargo insurance 货物保险account number - a unique number assigned by a financial institution to a customer. on a credit card, this number is embossed and encoded on the plastic card.additional cardholder - when you have a credit card, it is often possible to add an additional card to the account for use by someone else. the main cardholder holds responsibility for ensuring payments on the additional card are made. purchases are shown on the credit card statement, which is sent monthly.american express - also known as amex, this company is one of the main international credit card issuing schemes. it issues its own credit cards unlike visa and mastercard and is responsible for its own relationships with retailers.annual fee- an annual (yearly) fee associated with having a credit card. this is a separate fee from interest rate on purchases.annual percentage rate (apr)- the yearly percentage rate charged when a balance is held on a credit card. this rate is applied each month that an outstanding balance is present.approval response - an authorization response that is received when a transaction is approved.atm - automated teller machines or cash points allow youto access cash with a credit card or other card associated with your bank account. you need to enter your personal identification number (pin) into the machine to access cash.authentication - the process of assuring that data has come from its claimed source, or a process of corroborating the claimed identity of a communicating party.authorization - every retailer has a purchase limit above which they must seek authorization from the card issuer before they can complete the sale. such authorization can be done by telephone or electronically at the cash till. authorization is used to control credit card fraud. the cardholder s available credit limit is reduced by the authorized amount.authorization amount - currency amount approved.authorization code - a code that an issuer or its authorizing processor provides to indicate approval or denial for an authorization request.authorization date - date and time when the transaction was authorized.authorization only - a transaction that is created to reserve an amount against a credit card s available limit for intended purchases; the actual settlement may occur withinthree to five days, depending on the card type.authorized amount - currency amount approved.authorized transaction - transaction that has been approved.balance transfer - when the outstanding balance of one credit card (or several credit cards) is moved to another credit card account.balance transfer fee - a fee charged by a credit card company to transfer a balance from one account to another. this fee can be anywhere from 1%-5% of the balance amount. however, many credit card companies do not charge this fee. contact the credit card issuer for their specific fees.bad credit - a term used to describe a poor credit rating. common practices that can damage a credit rating include making late payments, skipping payments, exceeding card limits or declaring bankruptcy. bad credit can result in being denied future credit.bank account - bank account number for the merchant to which funds will be deposited.bank identification number (bin) - the first six digits of a visa or mastercard account number. this number is used to identify the card-issuing institution.bankcard - a payment card issued by a bank.billing cycle - the time between billing statements, usually 28-31 days.business card (business credit card) - usually issued to corporate executives or business owners in order to more easily keep business expenses separate from personal charges.card issuer - any association member financial institution, bank, credit union, or company that issues, or causes to be issued, plastic cards to cardholders.card reader - a device that is capable of reading the encoding on plastic cards.cardholder - an individual to whom a card is issued, or who is authorized to use an issued card.cash advance - a cash loan from a credit card using an atm or bank withdrawal.cash back - cash back returns to you a percentage of the total amount spent on your credit card over a specific period of time, usually monthly or quarterly. this feature is particularly useful if you normally pay your credit card bills in full each month, as it means you get an effective discount on the products bought with your credit card.chargeback - a transaction returned through interchangeby an issuer to an acquirer. a transaction may be returned because of it was non-compliant with the association rules and regulations or because it was disputed by a cardholder.chargeback period - the number of days from the transaction s processing date or endorsement date, during which the issuer may initiate a chargeback.co-branded card - a co-branded credit card is sponsored by both the issuing bank and a retail organization, such as a department store or an airline. cardholders may get benefits, such as discounts or free merchandise, from the sponsoring merchant, based on account usage and terms.commercial cards - a general name for cards typically issued for business use and which may include corporate cards, purchase cards, business cards, travel and entertainment cards.credit card number - unique number assigned to a credit card.credit limit - how much total money can be charged to a credit card account, for example $5,000.credit history - a partial profile of your financial life, given within a particular timeframe (usually measured in years). your credit history shows the extent to which you pay your bills ontime and how much you may owe particular parties. credit card issuers use this information to decide whether to provide customers with credit cards.debit - a charge to a customer s bankcard account. a transaction, such as a check, automated teller machine (atm) withdrawal or point-of-sale (pos) debit purchase that debits a demand deposit account.expired card - a card on which the embossed, encoded or printed expiration date has passed.finance charge - fees and other costs billed to you on your statement for using the credit cards (i.e., balance transfer fees, cash advance fees, late fees, overlimit fees, etc.).fixed rate (or fixed apr) -an annual percentage rate that does not change throughout the year, unlike an introductory apr that changes after a specific period of time.floor limit - an amount that visa and mastercard have established for single transactions at specific types of merchant outlets and branches, above which authorization is required.fraudulent transaction - a transaction unauthorized by the cardholder of a bankcard. such transactions are categorized as lost, stolen, not received, issued on a fraudulent application,counterfeit, fraudulent processing of transactions, account takeover or other fraudulent conditions as defined by the card company or the member company.fraudulent user - an individual who is not the cardholder or designee and who uses a card (or, in a mail/phone order or recurring transaction, an account number) to obtain goods or services without the cardholder s consent.grace period - a period of time during which you are allowed to pay your credit card bill without being charged a finance and/or late fee. this period is usually 10-28 days.introductory rate (or intro apr) - a temporary, lower annual percentage rate, after which the apr is raised.issuer - any association member financial institution, bank, credit union or company that issues, or causes to be issued, plastic cards to cardholders.magnetic stripe - a stripe of magnetic information that is affixed to the back of a plastic credit or debit card. this stripe contains customer and account information that is required to complete electronic financial transactions. the physical and magnetic characteristics of this stripe are specified in the international organization for standardization standards 7810, 7811 and 7813.mail/phone order merchant - a merchant that transacts business by mail or phone.mail/phone order transaction - a transaction where a cardholder orders goods or services from a merchant by telephone, mail or other means of telecommunication, and where neither the card nor the cardholder is present at the merchant outlet.mastercard - mastercard international inc. and all of its subsidiaries and affiliates.mastercard acquirer - a member that signs a mastercard merchant agreement or disburses currency to a mastercard cardholder in a cash disbursement, and directly or indirectly enters the resulting transaction receipt into interchange.mastercard card - a card that bears the mastercard symbol, enabling a mastercard cardholder to obtain goods, services or cash from a mastercard merchant or acquirer.mastercard issuer - a member that issues mastercard cards.merchant - an entity that contracts with merchant banks or iso s to originate transactions.merchant agreement - a written agreement between a merchant and a bank that contains their respective rights,duties and warranties, with respect to acceptance of the bankcard and matters related to the bankcard activity.merchant bank - bank that has a merchant agreement with a merchant to accept (acquire) deposits generated by bankcard transactions.minimum payment - the lowest amount of money that you are required to pay on your credit card statement each month.online financial transaction - a transaction that is authorized, cleared and settled in a single online message.overlimit - this refers to a cardholder account that has surpassed its credit limit with a transaction (i.e., the cardholder s outstanding balance is beyond his/her credit limit).overlimit fee - a fee charged when your balance goes over your credit limit.password - a sequence of characters that allows users access to a system. although they are supposed to be unique, experience has shown that most people s password choices are highly insecure. humans tend to choose short words, such as names, which are easy to guess.per transaction fees - fees paid by the merchant to the merchant bank or other contracted party on a per-transactionbasis.pin (personal identification number) - a sequence of digits used to verify the identity of the holder of a token. the pin is a kind of password.plastic (card) - this is a generic term that is used to identify any of the various cards issued to cardholders.point of sale (pos) - location in a merchant establishment at which the sale is consummated by payment for goods or services received.policy - an informal, generally natural language description of desired system behavior. policies may be defined for particular requirements, such as confidentiality, integrity, availability, safety, etc.posting - the process of updating individual cardholder account balances to reflect merchandise sales, instant cash, cash advances, adjustments, payments and any other charges or credits.primary account number (pan) - the number that is embossed and/or encoded on a plastic card that identifies the issuer and the particular cardholder account.prime rate (or prime interest rate) - the interest rate at which banks lend to their most creditworthy (prime)customers. the prime rate is known to change but not on a regular basis.processing date - the date on which the transaction is processed by the acquiring bank.receipt - a hard copy document that records when a transaction took place at the point of sale. the receipt contains a description of the transaction, which usually includes the date, the merchant name/location, the primary account number, the amount and the reference number.recurring billing - transactions for which a cardholder grants permission to the merchant to periodically charge his account number for recurring goods or services.reference number - number assigned to each monetary transaction in a descriptive billing system. each reference number is printed on the monthly statement to aid in retrieval of the document, should it be questioned by the cardholder.refund the creation of a credit to a cardholder account, usually as a result of a product return or to correct an error.retail merchant - a merchant that provides goods and/or services in the retail industry, but that is not a mail/phone merchant, a recurring services merchant or a t e merchant.sales draft - a paper record that evidences the purchase of goods or services by a cardholder.secured credit cards - credit cards that require collateral (property, such as a house, car or deposit of money) for approval. generally, secured credit cards are for people with no credit or poor credit who are trying to build or rebuild their credit history.service charge - a component of some finance charges, such as the fee for triggering an overdraft checking account into use.settlement - the reporting of settlement amounts owed by one member to another, or to a card issuing concern, as a result of clearing. settlement is the actual buying and selling of transactions between the merchants, processors and acquirers; along with the card-issuing entities.settlement bank - a bank, including a correspondent or intermediary bank, that is both located in the country where a member s settlement currency is the local currency, and is authorized to execute settlement of interchange on behalf of the member or the member s bank.smart card - a plastic card containing a computer chip with memory and cpu capabilities. such a card may be used foridentification or to store information, financial amounts or other forms of data. also called an integrated circuit card or a chip card.standard floor limit - a floor limit that varies by merchant type. this refers to a currency limit on transactions, above which authorization requests are required.statement - a written record prepared by a financial institution, usually once a month, listing all transactions for an account, including deposits, withdrawals, checks, electronic transfers, fees and other charges, and interest credited or earned. the statement is usually mailed to the customer.stored-value card - a stored-value card is a credit-card-sized device that is implanted with a computer chip with stored money value. a reloadable stored-value card can be reused by transferring a dollar value to it from an automated teller machine or other device. a disposable card cannot be reloaded.transaction - (1) any agreement between two or more parties that establishes a legal obligation. (2) the act of carrying out such an obligation. (3) all activities affecting a deposit account that are performed at the request of the account holder. (4) all events that cause some change in theassets, liabilities or net worth of a business. (5) an action between a cardholder and a merchant or a cardholder and a member that results in activity on the cardholder account.transaction identifier - a unique 15-character value that visa assigns to each transaction and returns to the acquirer in the authorization response. visa uses this value to maintain an audit trail throughout the lifecycle of the transaction and all related transactions, such as reversals, adjustments, confirmations and chargebacks.unsecured credit cards - credit cards that are not secured by collateral. customers qualify for such cards based on their credit history, their financial strength and their earnings potential.user authentication - process of validating that a user is who s/he represents her/himself to be.validation code - a unique 4-character value that visa includes as part of the cps/atm program in each authorization response. this code ensures that key authorization fields are preserved in the clearing or settlement record.variable interest rate - with variable-rate cards, the apr changes when interest rates or other economic indicators change. also known as a floating rate.visa - visa international service association and all of its subsidiaries and affiliates.visa card - a card that bears the visa symbol and which enables a visa cardholder to obtain goods, services or cash from a visa merchant or acquirer.visa issuer - a member that issues visa cards.visa merchant - a merchant that displays the visa symbol and accepts all visa cards.voice authorization - an approval response that is obtained through interactive communication between an issuer and an acquirer, their authorizing processors or stand-in processing or through telephone, facsimile or telex communications.void transaction - a deletion of the transaction information.void(ed) - nullifies a transaction that has been recorded for settlement, but has not yet been settled. this removes the transaction from the batch of transactions to be settled.信用卡常用术语Credit card term 相关内容:。

credit的用法及搭配

credit的用法及搭配一、credit的意义和基本用法1. credit的定义：Credit是一个多功能的英语单词，它可以作为名词或动词使用。

作为名词，credit常表示信任、声誉，也指代一个人或机构应获得的赞誉、认可或奖励。

作为动词时，credit可表示相信、归功于、赞颂或给予荣誉。

2. 基本用法：- 形容词修饰：可用来修饰名詞，表达有关信任度高低的概念。

例句：She is a credit to our family, always reliable and trustworthy.（她是我们家庭值得骄傲的人物，始终可靠且值得信赖。

）- 动词 + 名词短语：常与名詞短语搭配使用。

例句：I credit my success to hard work and perseverance.（我将我的成功归功于努力和毅力。

）- 被动结构：在被动结构中表示给予荣誉或赞扬。

例句：He was credited with saving the company from bankruptcy.（他因挽救公司免于破产而受到赞扬。

）二、credit与其他单词的搭配1. Credit card：信用卡是credit与card的搭配，表示一种支付方式，在购物或消费时使用信誉购买商品或服务，并在之后按照约定期限偿还所欠款项。

例句：I used my credit card to book a flight online.（我用信用卡在线预订了机票。

）2. Creditworthiness：此词由credit与worthiness组成，指个人或机构的信誉程度、可信赖程度或偿还能力。

例句：The bank will assess your creditworthiness before granting you a loan.（银行将在向您批准贷款前评估您的信用程度。

）3. Credit score：这个词组一般指个人或企业的信用评级，是通过对其历史交易和借贷记录进行计算获得的数字结果。

信用卡简介建行

信用卡的定义(Credit Card)】信用卡是商业银行向个人和单位发行的，凭以向特约单位购物、消费和向银行存取现金，具有消费信用的特制载体卡片，其形式是一张正面印有发卡银行名称、有效期、号码、持卡人姓名等内容，背面有磁条、签名条的卡片。

信用卡按是否向发卡银行交存备用金分为贷记卡、准贷记卡两类，贷记卡是发卡银行给予持卡人一定的信用额度，持卡人可在信用额度内先消费、后还款的信用卡。

准贷记卡则是先按发卡银行要求交存一定金额的备用金的信用卡。

我们现在所说的信用卡，一般单指贷记卡。

最通俗的说法就是：当您的购物需求超出了您的支付能力，您可以向银行借钱，信用卡就是银行根据您的诚信状况答应借钱给您的凭证，您的信用卡将提示您，您可以借银行多少钱、什么时候还。

信用卡也将记录您的个人资料和消费明细，以便为您提供全方位理财服务。

在外形上，信用卡大小如同身份证，一般用特殊的塑料制成，正面上印有特别设计的图案、发卡机构的名称及标识，并有用凸字或平面方式印制的卡号、持有者的姓名、有效期限等信息；卡片背面则有用于记录有关信息的磁条、供持卡人签字的签名条及发卡机构的说明等。

是一种消费支付工具，也是目前仅次于现金、最普遍受欢迎的塑料货币。

由银行或公司签发的证明持有人信誉良好，可以在指定商店或场所进行记账消费有信用凭证。

普通信用卡尺寸大小如身份证，一般用特种塑料制成，信用卡上印有持有者的姓名、号码、有效期限等，均为凸字。

为了防止冒领，近年来有的信用卡上印有持卡人照片。

当顾客购货结帐时，只需将信用卡交商店，由收款员把信用卡放在压印机上压印一下，那些凸字就会印在一式三联的单据上，然后持卡人在单据上签字，商店收款员将单据上的签字与信用卡上的签字式样核对相符后，即承认记账消费，持卡人不必付现金就可以购买所需的货物。

信用卡的持卡人除了可以在特约商户凭卡签字购买各种商品、就餐、娱乐、住宿外，还可以向发卡机构指定的银行透支一定限额的现金。

特约商户和指定受理银行凭持卡人签字的帐单向发卡机构收款，再由发卡机构送持卡人核对，在规定的期限内付清。

农业银行信用卡业务介绍

农业银行信用卡业务介绍一、普通信用卡1. 农行VISACreditCard该信用卡是农业银行与VISA公司联合发行的，具有国际通用性。

持卡人可以在全球范围内使用，并享受刷卡消费、取现、预借现金、分期付款、积分兑换等功能。

该卡还提供多种信用优惠，如0分期手续费、境外消费免年费等，适用于个人在国内外的消费需求。

2. 农行MasterCardCreditCard农行与MasterCard公司合作推出的信用卡，也是国际性的信用卡产品，具有与Visa卡类似的功能和特点。

持卡人可以在全球范围内刷卡、取现、预借现金、分期付款，并享受多种信用优惠，如境外消费免年费、购物优惠等。

二、金卡1. 农行VISA金卡该金卡面向高级消费者和企事业单位客户，拥有更高的信用额度和更多的信用功能。

持卡人可以享受更多的刷卡、取现、预借现金、分期付款、积分兑换等特权，并且还可以享受境外消费免年费、机场贵宾室服务等尊贵待遇。

2. 农行MasterCard金卡农行MasterCard金卡是农业银行金卡系列中的另一款高端信用卡产品，专为高级消费者和企事业单位客户打造。

持卡人可以享受更高的信用额度和更多的信用功能，同时还可以享受众多的信用优惠和高端服务。

除了以上这些信用卡产品，农业银行还根据客户的需求不断创新和推出新的信用卡产品，如家庭卡、商旅卡、汽车卡等，以满足不同客户群体的消费需求和个性化服务。

农业银行信用卡具有以下特点和优势：1. 全面覆盖：农业银行信用卡业务不仅覆盖国内各省市，而且在国际上也具有广泛的使用范围，可以满足客户在不同地区和国家的消费需求。

2. 多样化的功能：农业银行信用卡具有刷卡消费、取现、预借现金、分期付款、积分兑换等多种功能，不仅可以方便快捷地支付，还可以根据个人需求和实际情况进行智能管理和控制。

3. 专属优惠和服务：农业银行信用卡持卡人可以享受多种信用优惠，如0分期手续费、免费取现、金卡特权等，并且可以获得丰富的积分，随时进行兑换。

信用卡用英文怎么说

信用卡用英文怎么说信用卡是一种非现金交易付款的方式，是简单的信贷服务。

如今很多人都会选择用信用卡来消费，那么你想知道信用卡用英文怎么说吗?下面为大家带来信用卡的英文说法，欢迎大家学习。

credit card英[ˈkredit kɑ:d] 美[ˈkrɛdɪt kɑrd]信用卡的英文说法2：blue card英[blu: kɑ:d] 美[blu kɑrd]信用卡相关英文表达：信用卡提现Cash advance信用卡号Credit Card Number刷爆信用卡max out信用卡业务the credit card business信用卡公司card companies信用卡英文例句：对不起，我把信用卡落在家里了。

Sorry, I left my credit card at home.日本的数字钱包可在商店或通过与信用卡公司的安排进行充值。

Japanese digital wallets can be loaded with cash at stores or through an arrangement with a credit card company.分期付款和信用卡欠账的严重问题The serious problem of hire purchase and credit card debts你可以用信用卡付账。

You can pay by credit card.现金支付还是信用卡支付?Pay with cash or credit card?对不起，我把信用卡落在家里了。

Sorry, I left my credit card at home.了解您每一张的信用卡余额是否在你的卡上。

Know what your credit card balances are on each of your cards.幸运的是在这个时代，我们几乎可以用信用卡购买一切，几乎可以做到无硬币消费了。

信用卡、借记卡、贷记卡的区别

借记卡、信用卡、贷记卡、准贷记卡之间有什么区别?1、借记卡（DebitCard）是指先存款后消费（或取现），没有透支功能的信用卡。

其按功能不同，又可分为转帐卡（含储蓄卡）、专用卡及储值卡。

是一种具有转账结算、存取现金、购物消费等功能的信用工具，它还附加了转账、买基金、炒股等众多理财等功能，还提供了大量增值服务。

借记卡最大的优势就是电子管家功能，消费者可以用它去缴水、电、煤、电话等公用事业费，甚至还可以办理银证转账和银券通炒股业务。

现在不少银行都给借记卡赋予了强大的管家功能，消费者应当根据自己的实际利用率，尽可能把保留目标落在功能涵盖面较广、实用性较高的借记卡上。

但是以前的借记卡给了广大的消费者方便和优惠，而现在方便没有增加，优惠却没有了，截至2008年6月，国有四大银行开始对借记卡实行收费的标准：5元的开卡费，10元的年费，还有每笔2元的同城跨行ATM取款费。

所以现在用借记卡应该要想到在最实惠的情况下办理。

2、信用卡是商业银行向个人和单位发行的，凭以向特约单位购物、消费和向银行存取现金，具有消费信用的特制载体卡片，其形式是一张正面印有发卡银行名称、有效期、号码、持卡人姓名等内容，背面有磁条、签名条的卡片。

我们现在所说的信用卡，一般单指贷记卡。

信用卡按使用对象分为：单位卡和个人卡；按信誉等级分为：白金卡、金卡和普通卡；按币种分为：人民币卡、国际卡或兼有两种功能的双币种卡信用卡有如下特点：1、不需存款即可透支消费，并可享有20-50天的免息期按时还款分文利息不收。

2、购物时刷卡不仅安全、卫生、方便，还有积分礼品赠送。

3、持卡在银行的特约商户消费，可享受折扣优惠。

4、积累个人信用，在您的信用档案中增添诚信记录，让您终生受益。

5、通行全国无障碍，在有银联标识的ATM和POS机上均可取款或刷卡消费。

6、全年多种优惠及抽奖活动，让您只要用卡就能时刻感到惊喜。

7、每月免费邮寄对帐单,让你透明掌握每笔消费支出。

信用卡专业用语

百万卡（日本）
JCB card
JCB卡（日本）
Federal card
发达卡（香港）
中信卡
Zhong Xin Card
一卡通
Yikatong
民生卡
Minsheng Card
金穗卡
Golden Spike Card
solvent adj. 有偿付能力的 n.溶媒, 溶剂, 解决方法
securities n.有价证券
time hull insurance 船舶定期保险
marine insurance 海损保险
maritime transportation insurance 海洋运输保险
fire insurance 火险
牡丹专用卡
peony photo card
牡丹彩照卡
peony co-branding card
牡丹联名卡
Long card
龙卡
savings card
储蓄卡
debit card
借记卡
animal card
生肖卡
account transfer card
发展卡
Minsheng card
民生卡
Orient card
东方卡
Lady card
真情卡(广发银行)
Visa card
维萨卡
Master card
万事达卡
Diner’s card
大莱卡
American Express card
运通卡
Million card
credit card 信用卡
principal 本金

credit card英文范文

credit card英文范文The Essentials of Credit Cards.Credit cards have become a ubiquitous part of modern life, offering convenience, flexibility, and in some cases, valuable rewards. However, they can also be a trap for those who are not disciplined in their use. Understanding the basics of credit cards is crucial for making wise financial decisions.1. How Credit Cards Work.At its core, a credit card is a form of unsecured loan. When you swipe your card or tap it for a purchase, you are borrowing money from the card issuer (typically a bank or financial institution) to pay for that purchase. You are then responsible for repaying that money, plus interest, to the issuer by a specified date each month.2. Types of Credit Cards.Rewards Cards: These cards offer cash back, points, or other incentives for purchases made with the card. The rewards can be valuable, but it's important to compare the rewards offered with the card's annual fee and interest rate to ensure you're getting a good deal.Secured Cards: These cards require a cash deposit, which serves as collateral for the line of credit. Secured cards are often used by those with poor credit histories or those looking to build credit.Business Cards: Designed for business use, these cards often offer higher credit limits and specialized rewardsfor business-related purchases.Student Cards: These cards are specifically designed for college students, often with lower credit limits and educational features.3. Credit Card Interest and Fees.Credit cards can be expensive if not used responsibly. Interest rates on credit card balances can be high, andlate payments can trigger penalty fees. It's crucial to pay your balance in full and on time each month to avoid accruing interest and fees.4. Building Credit with Credit Cards.For those with limited or no credit history, credit cards can be a valuable tool for building credit. By making timely payments and maintaining a low balance relative to your credit limit, you can demonstrate to lenders that you are a responsible borrower.5. The Dangers of Credit Card Debt.However, credit cards can also lead to debt if used irresponsibly. Carrying a high balance month to month can lead to accrued interest, which can quickly snowball into a significant debt. Missing payments can damage your credit score, making it more difficult and expensive to borrow in the future.6. Managing Credit Card Debt.If you find yourself in credit card debt, there are steps you can take to get back on track. Creating a budget and sticking to it is essential. Prioritize paying down high-interest debt and consider consolidating your debtinto a lower-interest loan. Negotiating with your credit card issuer for a lower interest rate or a payment plan can also be helpful.7. The Future of Credit Cards.As technology evolves, credit cards are becoming more digital and mobile-friendly. With the rise of digital wallets and contactless payments, credit cards are becoming more convenient and secure. Look for cards that offer fraud protection, mobile payment options, and easy-to-use online and mobile tools to help you manage your account.In conclusion, credit cards can be a valuable tool when used responsibly. Understanding their workings, the typesavailable, and the associated costs and benefits is crucial for making the most of this financial tool. With discipline and smart decision-making, credit cards can enhance your financial life rather than become a burden.。

credit card英文作文

credit card英文作文英文：Credit cards have become an essential part of our daily lives. They offer convenience and flexibility in making purchases and payments. However, they also come with some risks and responsibilities.One of the benefits of using a credit card is theability to earn rewards and cashback. Many credit card companies offer different rewards programs, such as travel points, cashback on purchases, or discounts on certain products or services. For example, I have a credit cardthat offers cashback on all my purchases, which I can then use to pay off my balance or save for future purchases.Another advantage of using a credit card is the ability to build credit. By making timely payments and keeping a low balance, you can improve your credit score, which can help you qualify for better interest rates on loans ormortgages in the future. This can save you money in thelong run.However, using a credit card also comes with some risks. One of the biggest risks is overspending and accumulating debt. It can be easy to get carried away with credit card spending, especially when you have a high credit limit.It's important to use credit cards responsibly and only spend what you can afford to pay back.Another risk of using a credit card is the possibilityof fraud or identity theft. Credit card information can be stolen and used to make unauthorized purchases, which can result in financial losses and damage to your credit score. It's important to monitor your credit card statements regularly and report any suspicious activity to your credit card company immediately.中文：信用卡已经成为我们日常生活中不可缺少的部分。