信用卡 credit card
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。
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How many uses can you think of for a credit card?
• • • • • • • Shopping Withdraw cash Savings Installment (分期付款) Micro-financing（小额融资） Credit ges of credit card.
• Improper use can damage credit rating • Higher risk for impulsive buying and overspending • Debt trap when used unwisely • Possible hidden fees & surcharges • Privacy is an increasing concern • Identity theft easier
Suggestions
• Do not get a credit card if you are not mature enough to handle it wisely. If you do not handle your credit card wisely, you will foolishly pay lots of unnecessary finance charges and late charge and other charges as well.
Some kinds of credit card.
• • • • Visa American Express MasterCard JCB card, Discover card (Americas), Joint Credit Card (Taiwan), Diners, NETS (Singapore), BC Card (Korea), China UnionPay card (China), Banknetvn (Vietnam), etc.
Credit card
Did you know?
• The percentage of undergraduate students carrying at least 1 credit card has risen 24% since 1998. • 92% of college students have a credit card by their sophomore year. • Almost half (47%) of all college students carry four or more credit cards.
The advantages of credit card.
• 1.Cardholders do not have to pay cash to get goods and services. • 2.When the credit card spending is the overdraft consumption(透支消费),and have some time for interest-free period. • 3.The use of credit cards promotes the mail order, telephone order shopping development.
Are Debit Cards A Type of Credit Card?
Debit Cards are: • Not the same as credit cards. • Not a form of credit at all • Directly linked to your bank account • Debit cards allow payment and purchase to happen simultaneously
The history of credit cards.
To the 1960s, bank credit card soon be widely welcomed by the community, not only in the United States, but in the United Kingdom, Japan, Canada and European countries . From the 1970s, some developing countries and regions have begun to issue credit cards.
Who can apply for a credit card?
• In most cases, with full civil capacity(完全 民事行为能力)（for the Chinese mainland citizens 18 years of age）,there are some direct economic source of income college students, can apply for credit cards to the issuing bank.
The history of credit cards.
• Credit cards in 1915 originated in the United States. • The first issue of credit card institutions is not banks, but some department stores, restaurants, entertainment, and gasoline companies. • 1915 California, USA, Franklin National Bank issued the first financial institution as a bank credit card.
What is a credit card? The history of credit cards. Who can apply for a credit card? How many uses can you think of for a credit card? Some kinds of credit card. The advantages & disadvantages of credit card.
What is a credit card?
• Credit Card is a non-cash transaction payment, a simple credit service. • It is a small plastic card that you use to buy goods or services and pay for them later.