你不可不知的信用卡平安知识英语.doc
关于小卡要知道的知识
关于小卡要知道的知识小卡(Card)在生活中随处可见，比如银行卡、信用卡、公交卡等等，是我们日常生活中不可或缺的一部分。
但是对于小卡，我们除了日常使用，是否还有更多的了解呢？下面就为大家介绍一下关于小卡要知道的知识。
1. NFC技术NFC技术是近场通讯技术的缩写，是一种短距离无线通信技术。
它可以让手机或其他设备与支持NFC技术的小卡之间进行通信，实现信息交互。
例如，你可以通过手机NFC功能读取公交卡的余额或者充值，或者通过手机支付功能实现线上交易。
2. EMV标准EMV（Europay、MasterCard、Visa）是一种国际标准，主要用于借记卡和信用卡的金融交易。
它规定了小卡芯片的安全标准，保证了小卡交易的安全性。
与传统的磁条卡相比，EMV芯片卡的安全性更高，可以防止磁条被复制或者盗刷的风险。
3. 小卡生命周期小卡的寿命一般取决于使用频率和使用环境。
例如，一个银行卡的生命周期一般在3-5年左右，而一张公交卡的生命周期则会更长，可以使用10年以上。
除了使用频率和使用环境之外，小卡的质量和制造工艺也会对小卡的寿命产生影响。
4. 应用范围不同的小卡有不同的应用范围。
例如，银行卡、信用卡可以用于购物、取款等金融交易；公交卡可以用于公共交通工具的付款；门禁卡可以用于特定场所的出入等等。
在使用小卡时需要具体了解其应用范围，避免使用不当导致损失。
5. 多应用卡多应用卡是指一个小卡上具备多个应用的功能。
例如，一张银行卡除了可以作为银行卡外，还可以充当身份证、门禁卡等其他小卡的功能。
多应用卡的应用范围更广泛，可以减少卡的数量，提高卡的便携性和安全性。
总的来说，小卡已经成为我们日常生活中不可或缺的一部分，它们具有各自独特的功能和应用范围，我们需要认真了解它们，选择合适的小卡，合理使用它们，保障我们的生活和财产安全。
同时，小卡的使用也在不断地更新升级，它们的功能会变得更加智能化、便捷化和安全化。
正确使用信用卡英语作文
正确使用信用卡英语作文英文回答：Using credit cards responsibly can be a valuable toolfor managing your finances and building your credit history. Here are some tips for using credit cards wisely:Pay your balance in full each month. This is the best way to avoid paying interest charges and keep your credit score high.Keep your credit utilization low. Using more than 30%of your available credit can hurt your credit score.Don't carry a balance from month to month. This can lead to high interest charges and make it difficult to pay off your debt.Be aware of your credit limit and don't exceed it. Exceeding your credit limit can damage your credit scoreand lead to fees.Monitor your credit report regularly. This will help you track your credit score and identify any errors or suspicious activity.Use credit cards for convenience, not credit. Credit cards should be used to make purchases that you can afford to pay off right away. Don't use them to borrow money for long-term expenses.Be aware of the fees associated with credit cards. Some credit cards have annual fees, balance transfer fees, and other charges. Be sure to compare the fees of different cards before you apply.By following these tips, you can use credit cards responsibly and build a strong financial foundation.中文回答：合理使用信用卡。
银行英语知识点总结
银行英语知识点总结在银行工作中，英语是一种非常重要的语言，因为在国际金融领域，大部分的交流都是使用英语进行的。
下面是一些银行英语知识点的总结，希望对需要了解这方面知识的人有所帮助。
一、银行常用英语词汇1. Account - 账户2. ATM (Automated Teller Machine) - 自动取款机3. Bank statement - 银行对账单4. Cash - 现金5. Credit card - 信用卡6. Deposit - 存款7. Interest - 利息8. Loan - 贷款9. Overdraft - 透支10. Withdrawal - 取款二、银行业务英语表达1. Open an account - 开立账户2. Close an account - 关闭账户3. Deposit money - 存款4. Withdraw money - 取款5. Apply for a loan - 申请贷款6. Pay interest - 支付利息7. Transfer money - 转账8. Exchange currency - 兑换货币9. Check balance - 查询余额10. Reconcile account - 对账三、银行交易英语1. Can I have a bank statement, please? - 我可以要一张银行对账单吗？2. I'd like to deposit this check into my account. - 我想把这张支票存入我的账户。
3. What's the balance in my account? - 我的账户余额是多少？4. I'd like to transfer $500 to my friend's account. - 我想把500美元转到我朋友的账户。
5. I'd like to cash this traveler's check. - 我想兑换这张旅行支票。
信用证英语宝典
信用证英语宝典第一篇：信用证英语宝典信用证英语宝典推荐查看本文HTML版本we insist on a letter of credit.我们坚持用信用证方式付款。
as i've said, we require payment by l/c.我已经说过了，我们要求以信用证付款。
we still intend to use letter of credit as the term of payment.我们仍然想用信用证付款方式。
we always require l/c for our exports.我们出口一向要求以信用证付款。
l/c at sight is normal for our exports to france.我们向法国出口一般使用即期信用证付款。
we pay by l/c for our imports.进口我们也采用信用证汇款。
our terms of payment is confirmed and irrevocable letter of credit.我们的付款条件是保兑的不可撤消的信用证。
you must be aware that an irrevocable l/c gives the exporter the additional protection of banker's guarantee.你必须意识到不可撤消信用证为出口商提供了银行担保。
is the wording of “confirmed” necessary for the letter of credit?信用证上还用写明“保兑”字样吗？for payment we require 100% value, irrevocable l/c in our favour with partial shipment allowed clause available by draft at sight.我们要求用不可撤消的、允许分批装运、金额为全部货款、并以我方为抬头人的信用证，凭即期汇票支付。
信用卡术语中英文对照
payment due date
付款到期日
photocard
照片卡
personal identification
number PIN
个人身份密码
positive authorization
正常授权
positive file
正常客户档案
posting
记帐
prescreening
试销
presentment
信息交换手续费
issuer
发卡机构
late charge
逾期罚息
line of credit
信贷额度
loss reserve
坏帐准备金
magnetic ink character
recognition MICR
磁墨特征识别
magnetic stripe
磁条
merchant accounting
特约商户帐户会计
违约损失率
Exposure at default
违约暴露风险
Maturity
期限
return per ticket
每单交易收益率
revolving line of credit
循环信用额度
rollover
结转
将信用卡帐户上未结清余额部分转入下月。
购物券
security interest
孳息
settlement
结算
skip account
失踪帐户
credit card
信用卡
credit limit
信用限额
credit loss
信用损失
credit scoring
信用评分
常用信用卡的英文说法
常用信用卡的英文说法上一篇/ 下一篇 2008-01-09 11:24:48查看( 44 ) / 评论( 0 ) / 评分( 0 / 0 )首先让我们来了解一下一些常用信用卡的英文说法：Peony Card 牡丹卡Money-Link Card 灵通卡Peony Debit Card 牡丹借记卡Peony International Card 牡丹国际卡Peony Special Card 牡丹专用卡The Great Wall Card 长城卡Dragon Card 龙卡Golden Spike Card 金穗卡VISA Card 维萨卡Master Card 万事达卡American Express Card 运通卡Diners Club Card 大莱卡JCB cards JCB卡接下来就要知道How to Use a Credit Card信用卡的使用，我们来看一组会话实例：Clerk: How do you do?Customer: How do you do? I\'ve opened a Peony Card account recently. Now I want to cash some money. How can I do it, please?Clerk: You can use it to draw money from the ATM, but the withdrawal amount is limited within RMB 1000 each time. You can also use it at the counter to get much more money, if you want.（您可以用卡在自动柜员机上取现，但一次只能取1000元人民币。
如果需要的话，在柜台上办理就可以取得更多。
）Customer: For what amount do you need authorization?（多少金额以上需经过授权？）Clerk: For any amount exceeding the line of credit we\'ll have to.（金额超过信用额度均需经过授权.）Customer: How about paying my expenses with the card?（那用卡进行消费呢？）Clerk: You don\'t need to get authorization if your expenses are in line with the credit given by the issuing bank.（消费额在发卡行授信额度内就不必经过授权。
信用卡常用词汇中英文对照说明
AA（Approval Code）核准密码（AA为电报简码）,消费款项（超过商户最低免授权交易金额者经授权后给予的核准密码）。
每笔需授权的消费都有授权密码，包含人工、CED、POS。
Account use （手工授权，包括MO/TO/网上授权）ACD（Automatic Call Distribution）,程控交换机自动分配拨入（Call-in）的电话并提交管理层统计资料的电脑系统。
ACD in + Available,计算客服人员 productivity的统计量, 即接听客户电话和等候客户电话的时间比例．Acquiring Bank 收单银行,办理签定特约商户以接受信用卡客户消费的银行．AFF(Air Frequent Flyer),飞行里程奖励办法. 持卡人使用信用卡购买机票, 可按里程折合点数, 到达一定点数时, 可以换乘头等舱或享受免费机票优惠. Affinity Card(认同卡),其他商业机构借助银行的发卡系统或资源, 发行类似信用卡的认同卡, 以达到宣传或服务自身会员目的。
一般而言，认同卡为发卡行与非营利机构发行的信用卡。
Annual Fee 年费,信用卡每年所缴的年费, 在会计处理上按12个月分摊记帐. ANR(Average Net Receivables) 平均余额,发卡单位平均应收客户款. Application 申请书,客户申请信用卡时填写的表格, 包含个人资料, 财务状况等。
A/R（Accounts Recievables）应收帐款, 三个月未收回者，应转入PDO(Post Due Obligation)。
Arbitration 仲裁,对于争议帐款，当收单行与发卡行在扣款流程进行完毕后仍争执不下时，交VISA或MCI的仲裁法庭裁决。
Attrition 剪卡,取消卡片。
Authorization 授权,持卡人在商户消费时，需经授权系统或授权人员取得交易核准码，这一过程称为授权。
信用卡相关英语词汇
信用卡相关英语词汇信用卡(CreditCard)，就是银行提供给用户的一种先消费后还款的小额信贷支付工具，是银行或其它财务机构签发给那些资信状况良好的人士，用于在指定的商家购物和消费、或在指定银行机构存取现金的特制卡片，是一种特殊的信用凭证。
店铺为大家整理了信用卡相关英语词汇，希望对你有帮助哦!信用卡相关英语词汇：issuing bank 发卡银行annual fee 年费credit line/limit信用额度interest rate 利率monthly statement 月结单balance transfer 信用卡余额代偿available credit line /limit 可用信用额度APR=annual percentage rate 年利率activate a card 开卡reward program 积点回馈point 红利积点cash advance 预借现金credit card 信用卡affinity card 认同卡platinum card白金卡student card 学生卡preferred card/gold card 金卡value card 储值卡classic card 普卡co-branded card 联名卡supplementary card 附属卡debit card 转账卡ATM card 金融卡charge card 签帐卡cash advance card 现金卡corporate card 商务卡、公司卡MID / merchant id [商户号]TID / terminal id [终端号]POS ID [POS号]BATH NO. [批次号]TRACE NO. [查询号]REF NO. [序号]AUTH CODE [授权号]信用卡词汇解释：可用信用额度(Available Credit)：指可用于购物消费、现金垫款(Cash Advance)和余额转结(Balance Transfer)的信用额度。
平安银行面试问题.doc
xx年平安银行面试问题1.如果让你去推销银行信用卡，你会怎么做?答：(1).首先要对本行信用卡的功能作全面了解，不同卡种不同的优惠要知道，针对不同人群，重点推荐相关的优惠和功能。
(2).要知道竞争对手信用卡的特点，优点，及缺点，尤其是缺点，用来和本行卡作比照.(3).可以利用自己的关系网络，比方，认识某家公司的老总，某企业财务负责人之类的,可以比拟容易的团办信用卡。
(4).调查本行信用卡的未覆盖区域，采取扫楼，摆摊，利用关系等方式，进一步推广.(5).利用办卡礼品等，促使人们办理.全面发动自己的家庭，朋友，社会关系，让自己认识的人，全都持有一张卡。
2.在美国一家旅馆里，一中国游客看到里面的一个效劳员胸口有个徽章“我能，我可以”觉得很有意思，便和女效劳员说：“能不能送我一个这样的徽章?”女效劳员说：“不好意思，我不能送你，这个是公司的规定，这是公司的徽章，我自己的没带在身边，不好意思。
”这个故事给你什么启示?答:如果站在为了完全满意客户需求那么这个徽章一样可以送给客户。
但是这里面牵扯一个问题。
就是这个徽章是不是唯一性的。
并且徽章送给客户对自己的公司会不会有结果.另外如果她不给徽章等于她这个我能我可以的话就是空话.所以这个问题站在两个角度来考虑问题没有一个是错误的。
3.早上你刚到单位,主任让你到他办公室,门口有客户在等你,这时又响起,你如何妥善处理?答:先和客户打个招呼，请他到你的办公室稍等片刻，等你接一下并告之对方稍后再回电。
然后通知主任会晚点过去，接着接待客户，接待完客户后再去找主任.4.当下啤酒和白酒的销量都很好，黄酒却不尽然，如果你是一家黄酒企业的管理者，想个方法解决销量上不去的问题?答:踏踏实实的做好该做的市场推广,利用传统的推广渠道,比方超市促销,酒店返点,打广告等。
一点一滴做到位了,销量自然就上来了.5.你进了银行会怎么做?答:了解银行的根本情况和银行业务,邮储与其他商业银行的异同点。
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。
英语作文-creditcard
英语作文-creditcardToday, more and more people in the United States are using credit cards instead of money to buy the things they need. Almost any one who has a steady income and a continuous work record can apply for a credit card. There are many credit cards available: American Express, VISA, and Master Charge are some of the most popular.今天，越来越多的美国人流行用信用卡而不是用货币购买他们所需要的东西。
几乎所有收入来源稳定，有持续工作记录的人都可以申请信用卡。
可供选择的信用卡种类很多，其中有些信用卡很流行，如美国运通卡、维萨卡及万事达卡等等。
If you have a credit card, you can buy a car, eat a dinner, take a trip, and even get a haircut by charging the cost to your account. In this way, you can pay for purchases a month later, without any extra charge. or you may choose to make your payments over several months and pay only part of the total amount each month. If you do this, the credit company, or the bank that sponsors the credit card, will add a small service charge to your total bill. This is very convenient for the customer. 如果你持有信用卡，只要记一下账，你就可以买汽车、旅行甚至理发。
信用卡用英语怎么说
信用卡用英语怎么说信用卡又叫贷记卡。
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：Billing Date)时再进行还款。
那么你知道信用卡用英语怎么说吗?下面来学习一下吧。
信用卡的英语说法1：credit card信用卡的英语说法2：blue card信用卡的相关短语：信用卡提现 Cash advance信用卡号 Card Number ; Credit Card Number ; Credit Card No 空白信用卡 Credit card blanks ; Creditcard-s刷爆信用卡 max out信用卡业务 Project Five Credit Cards ; the credit card business ; credit-card business ; Business of Credit Card信用卡公司Japan Credit Bureau ; card companies ; Capital One ; credit card company用信用卡 Credit Card ; use credit cards单币种信用卡 Single-Currency Card信用卡的英语例句：1. Make a note of credit card numbers and check expiry dates.记下信用卡卡号，核对有效期限。
2. Using a credit card to pay for an order is simplicity itself.用信用卡支付订单再简单不过了。
3. You are protected instantly if a thief misuses your credit card.如果小偷盗用你的信用卡，你的卡会立即受到保护。
信用卡的八大名词解释
信用卡的八大名词解释在如今的消费社会中，信用卡已经成为人们日常生活不可或缺的支付工具。
然而，对于信用卡的一些专业术语，很多人可能并不熟悉。
在这篇文章中，我将就信用卡的八大名词进行解释，帮助读者更好地理解和使用信用卡。
1. 信用额度（Credit Limit）信用额度是指信用卡发卡银行为持卡人设定的最高可用于消费和借款的金额。
每个持卡人的信用额度会根据其个人信用记录、收入水平和还款能力等因素而定。
持卡人可以通过还清信用卡欠款、提高收入状况等方式来逐渐提高信用额度。
但需要注意的是，超出信用额度的消费或借款可能会导致额外费用或信用记录的损害。
2. 最低还款额（Minimum Payment）最低还款额是持卡人每个周期最少需要偿还的金额，通常为总欠款的一小部分。
持卡人只需支付最低还款额，便可避免逾期还款产生的费用和信用记录的负面影响。
然而，只支付最低还款额可能会导致高利息的累积和长期债务，建议尽量偿还更多的欠款以减少利息支出。
3. 年费（Annual Fee）年费是信用卡发卡银行为提供信用卡服务而收取的一项固定费用，通常在持卡人账单中显示。
年费的金额根据信用卡类型和发卡银行的政策而有所不同，有些信用卡可能会免除首年或前几年的年费。
持卡人可以根据自己的使用情况和需求选择是否申请年费信用卡。
4. 利息（Interest）利息是指持卡人因为借款或透支信用卡而需要支付给发卡银行的费用。
信用卡的利息通常以年利率的形式计算，并根据持卡人的实际欠款金额和账期来计算利息费用。
持卡人可以通过按时还款或提前还款来减少利息支出。
5. 信用记录（Credit History）信用记录是信用卡持卡人在使用信用卡过程中形成的个人信用历史。
信用记录会记录持卡人的还款情况、逾期情况、信用额度使用情况等信息，对持卡人的信用评级和信用额度审批起着重要作用。
良好的信用记录可以帮助持卡人提高信用额度、获得更低的利率和更多的信用福利。
6. 外币交易费（Foreign Transaction Fee）外币交易费是持卡人在境外或使用外币进行交易时需要支付给发卡银行的费用。
信用卡好处坏处英语作文
信用卡好处坏处英语作文英文回答：Advantages of Credit Cards.Convenience: Credit cards offer a convenient way to make purchases without carrying cash or a checkbook. You can use them to pay for everything from groceries to gas to online shopping.Security: Credit cards are more secure than cash or checks. If your card is lost or stolen, you can report it to the credit card company and they will cancel the card and issue you a new one.Rewards: Many credit cards offer rewards programs that give you cash back, points, or miles for every dollar you spend. You can use these rewards to get discounts on future purchases, travel, or other benefits.Credit building: Using a credit card responsibly can help you build your credit history. This is important for getting loans, renting an apartment, or even getting a job.Disadvantages of Credit Cards.Interest charges: If you don't pay off your credit card balance in full each month, you will be charged interest on the unpaid balance. Interest rates on credit cards can be high, so it's important to be aware of what they are before you sign up for a card.Fees: Credit cards can also come with a variety of fees, such as annual fees, balance transfer fees, and late payment fees. These fees can add up, so it's important to read the fine print before you sign up for a card.Debt: Credit cards can be a convenient way to spend money, but it's important to use them responsibly. If you spend more than you can afford to repay, you can get into debt. Credit card debt can be difficult to get out of, soit's important to avoid it if possible.总体来说，如果您负责任地使用信用卡，信用卡会带来许多好处。
信用卡英语词汇整理及详解
信用卡英语词汇整理及详解信用卡英语词汇整理及详解出国在外，用的最多就是信用卡了，所以掌握一些关于信用卡的英语词汇十分有必要，下面就和店铺一起来学习学习吧!New Wordscredit n.card n.expense n.rectangular adj.plastic adj.authorize vt.charge vt., vi. ;n.collect vt.force vt.interest n.unpaid adj.afford v.单词信用, [财务]贷方, 银行存款纸牌, 卡片费用, 开支矩形的塑胶的, 塑造的授权，委托vt., vi.要价;要人支付;收费n.费用;花费收款;收账强制, 强加利息未付款的, 不受报酬的买得起;能提供，能给予Phrases and Expressionspay cashwrite checksat one timeon credit短语与词组付现金开支票一次凭信用;赊购Notes1.credit card信用卡credit n.reputation for solvency and integrity entitling a person to be trusted in buying or borrowing:信用：给予某人的证明，其在买入或借款时可以信任的在清偿能力和诚实上的声誉例：You should have no trouble getting the loan if your credit is good.如果你信誉良好，要取得这笔贷款就没有什么问题了2.More and more they pay for things with credit cards.他们越来越多地用信用卡来支付购物款。
此句是倒装句，强调more and more (moneys)。
正常语序为They pay more and more…。
3.This authorizes the store to charge the bank for the customers purchase.这就授权商店向银行收取客户的购物款。
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.。
信用卡常用词汇中英文对照说明
AA（Approval Code）核准密码（AA为电报简码）,消费款项（超过商户最低免授权交易金额者经授权后给予的核准密码）。
每笔需授权的消费都有授权密码，包含人工、CED、POS。
Account use （手工授权，包括MO/TO/网上授权）ACD（Automatic Call Distribution）,程控交换机自动分配拨入（Call-in）的电话并提交管理层统计资料的电脑系统。
ACD in + Available,计算客服人员 productivity的统计量, 即接听客户电话和等候客户电话的时间比例．Acquiring Bank 收单银行,办理签定特约商户以接受信用卡客户消费的银行．AFF(Air Frequent Flyer),飞行里程奖励办法. 持卡人使用信用卡购买机票, 可按里程折合点数, 到达一定点数时, 可以换乘头等舱或享受免费机票优惠. Affinity Card(认同卡),其他商业机构借助银行的发卡系统或资源, 发行类似信用卡的认同卡, 以达到宣传或服务自身会员目的。
一般而言，认同卡为发卡行与非营利机构发行的信用卡。
Annual Fee 年费,信用卡每年所缴的年费, 在会计处理上按12个月分摊记帐. ANR(Average Net Receivables) 平均余额,发卡单位平均应收客户款. Application 申请书,客户申请信用卡时填写的表格, 包含个人资料, 财务状况等。
A/R（Accounts Recievables）应收帐款, 三个月未收回者，应转入PDO(Post Due Obligation)。
Arbitration 仲裁,对于争议帐款，当收单行与发卡行在扣款流程进行完毕后仍争执不下时，交VISA或MCI的仲裁法庭裁决。
Attrition 剪卡,取消卡片。
Authorization 授权,持卡人在商户消费时，需经授权系统或授权人员取得交易核准码，这一过程称为授权。
平安的英语怎么写
平安的英语怎么写平安这个词语我们都很经常使用，那么你知道平安英语怎么写吗?下面是店铺为你整理的平安的英语写法，希望大家喜欢!平安的英语写法1.safeness2.safety3.well4.without mishap关于平安的英语短语平安夜 Silent Night ; christmas eve ; The xlient night ; Stille Nacht平安保险Ping An Insurance ; PING AN OF CHINA ; Ping n Insurnce ; TA-ADD平安县 Ping'an County ; Ping'anXian ; ping-an county ; Pingan County平安第一 safety first ; Safety y First平安性 safety ; Security ; Secure ; Web Services Security平安岛 safety island ; Pulau Pinang ; safety strip ; The Peaceful Island系统平安 System Security ; S em Security食品平安 food safety平安平生 PEACEFUL LIFE ; Pestarful life平安的英语例句我送她平安回家。
I saw her safe home.这船平安抵陆。
The ship came safe to land.他们为她平安返回的消息而感到欣喜。
They rejoiced at the news of her safe return.她们为我祈祷平安，并开始提醒媒体注意。
They prayed for my safety and began alerting the media.你可以从女人的声音中听出泪水，从痛苦，到决绝，到平安。
You could hear tears in the women’s voices, anguish, then resolve, safety.最重要的是，我对这个国家的未来满怀希望，我为它的平安而祈祷。
- 1、下载文档前请自行甄别文档内容的完整性，平台不提供额外的编辑、内容补充、找答案等附加服务。
- 2、"仅部分预览"的文档,不可在线预览部分如存在完整性等问题,可反馈申请退款(可完整预览的文档不适用该条件!)。
- 3、如文档侵犯您的权益，请联系客服反馈,我们会尽快为您处理(人工客服工作时间：9:00-18:30)。
你不可不知的信用卡安全知识英语Recently, I bought a jacket at Ralph Lauren inNew York City (an admittedly extravagant gift tomyself for finally finishing my first book). At checkout, the clerk asked me to fill out a contact form. No thanks, I said. I don t like to give out my email address.We won t spam you, he said. It s just to notify you when new items become available.After I briefly explained how spam works, and that notifying me of the availability of new items notonly constitutes spam, but pretty much defines it, the clerk smiled politely and said no problem. As he went into the back to run my card, I noticed a second clerk standing nearby. He d overheardour little back-and-forth and was smiling wryly to himself. Finally, he couldn t hold it anymore. You know they can get to you through your credit card anyway, right?This gave me pause. I did know that, didn t I? I mean, if a business wants to spam me, they caneasily figure out my contact info from a purchase I ve made. And that s when a second, moreinsidious thought struck: If it s that easy to spam someone after they use their credit card, how easywould it be to steal their identity?When it comes to credit cards, there s a whole universe of information out there, and much of itconsists of black holes. That is to say, most of us simply don t know what we realistically should orshould not be concerned about. Sure, none of us want our identities stolen, our accounts hacked, ouremails spammed but what exactly are the risks and what can we do to mitigate them?Following are 8 essential security measures we should all be taking with respect to credit cards. Thesetips will help us avoid spammers and identity thieves alike.1. Treat your cards like cash.Would you hand a bartender a pile of cash and say I d like to open a tab? So why do that with acredit card? We tend to treat cards differently than cash because they re plastic. And hey, ifsomeonesnags your card, what s the worst that could happen? Well, it s called identity theft, andit ain t a walk in the park. To avoid this, start thinking of and treating your credit cards like cash.Don t leave them lying around or in the hands of strangers. Yes, this makes life slightly moreannoying, but just think of how annoying it would be if someone snatched your card and copied orcloned it. Remember, a credit card is like a pile of cash. Treat it as such.2. Only buy from trusted websites.Online shopping is all the rave these days, and often times we enter our credit card informationwithout giving it a second thought. That s basically an identity thief s wet dream. To keep thewolves at bay, make sure you check for security signs from whatever site you re shopping from.These include a URL that begins with https instead of the standard http. That s standsfor secure, which means the site uses encryption code when transmitting data online. Also checkthe page for a lock symbol or security firm icon from a trusted firm like Verisign or McAfee. Thosesymbols indicate a secure site.3. Be careful when you travel.The universal language isn t English anymore it s code. That means that a hacker can snag yourpersonal information from anywhere in the world. So be sure to be extra cautious when you travel.Only use your card at bank ATMs and trusted retailers. Let your bank know where you re travelingand what the dates are so they can notify you if there are any suspicious purchases. And alwaysupdate your antivirus protection if you re bringing a laptop with you.4. Avoid public computers and WiFi.People love to go online shopping whenever the mood strikes. Sometimes this means shopping on apublic computer or open WiFi network. This is extremely dangerous as these platforms are especiallyvulnerable. So here s a neat little trick for you: Feel free to browse and comparison shop onlinewhen you re on an open WiFi network, but don t purchase anything. Wait until you re on asecure server (your home computer) before making a purchase. This has the doubly-positive effect ofhelping to curb your impulse-buying habits!As for public computers, never enter credit cardinformation on them. Hackers often install malware onto public computers specifically targetingonline shoppers. Plus the computer s cache can store your personal information, making it easierfor someone to steal it.5. Never save your credit card number.I know, I know, that whole 1-click thing makes life super easy. But just think of how easy you remaking the life of a hacker or spam-artist by storing your credit card info on a retailer s server.Remember that massive customer breach of Target not long ago? Sure, identity thieves can strikeanywhere. But storing your information with a retailer is like standing in the middle of a war zonewith a giant bullseye painted on your back. Better to take the time to input your card info for eachand every purchase (this also helps curb impulse-buying, by the way).6. Keep your PIN number safe.This one is obvious, but bears repeating anyway. You should never ever EVER give out your PIN toanyone, ever. Not your parents, not your friends, not your priest or rabbi. Not even if God herselfcame down from heaven and demanded you hand it over. Sorry God, no exceptions here. The P in PIN stands for personal. Make sure to keep it that way.7. Be wary at the ATM.Thieves love to hang out at ATM terminals with devices that can snatch your card info sometimeselectronically. They use counterfeit cards with magnetic strips to clone your information and makefraudulent purchases. So be wary whenever you use ATMs. Always shield your PIN number fromview, never accept help from anyone, and if a sketchy dude or dudette is hanging around the ATMmachine, it might be best to move on to the next one.8. Watch out for phishing scams.A phishing scam is any scam that lures a potential victim into giving away personal informationwhich can then be used to steal their identity. A popular example is the follow-up email fromaretailer you recently made a purchase with. If you receive an email claiming there was a problem withyour order, and you need to resubmit your credit card info or input the last 4 digits of your SocialSecurity number, a red flag should go up. Any legitimate retailer that needs additional information tocomplete your order will ask you to return to the site and submit information on an encrypted page(and this information will never be your Social Security number). When in doubt, call the customerservice number to speak directly with a representative.While the whole idea of identity theft may seem scary and invasive, the fact remains that we live in abrave new world when it comes to personal information. More and more of our information is beingstored in more and more places around the world, which makes it that much easier for thieves andspammers to acquire it. But don t be discouraged, and don t throw in the towel. While you cannever completely eliminate the possibility that your information will be stolen, you can reduce thelikelihood of such an event occurring. All it takes is a little awareness and a willingness to take thenecessary precautions.你的创业计划可行吗_创业计划书>你有没有一个好的网络？开始办企业的过程，实际上就是一个组织诸如供应商、承包商、咨询专家、雇员的过程。