信用卡能带来什么问题英语，信用卡都有什么功能

本文目录一览

1，信用卡都有什么功能
2，帮忙找找英语作文大学生使用信用卡的利弊
3，关于办信用卡应注意的问题的英语作文

1，信用卡都有什么功能

信用卡编辑信用卡（英语：Credit Card）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。除部分与金融卡结合的信用卡外，一般的信用卡与借记卡、提款卡不同，信用卡不会由用户的帐户直接扣除资金。信用卡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，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。而我们所说的信用卡，一般单指贷记卡。

信用卡都有什么功能

2，帮忙找找英语作文大学生使用信用卡的利弊

Credit CardsPersonal credit cards are becoming more common in China. Banks and other financial institutions are encouraging their customers to change the way they buy things.If a credit card is used in the correct way and you keep up with your payments, they can be very valuable in many aspects.One of the most beneficial aspects of having a credit card is that it can be easier to buy things. Some companies, such as those in the travel sector like hotels, airlines and car rental companies prefer payment by credit card.A more obvious benefit of a credit card, and one of the main reasons people apply for a credit card, is that you have access to money during emergencies.But people need to be careful. There are dangers associated with credit cards. Some people find it very easy to exceed their budget. They are tempted to purchase goods that they do not really need, and can become quickly overburdened by debt.My Opinions on Credit Cards is: Although credit cards are becoming a more acceptable part of the financial scence, it promote our consumers to spent more.On my personal level， while enjoying a host of conveniences the credit card may bring， we couldnt afford to ignore a conspicious fact: in most cases， parents are our sole financial sources.Instead of spending without any restrict， we are supposed to put studies on the top of our agenda and move ourselves beyond heavy dependence upon our parents.

credit cards personal credit cards are becoming more common in china. banks and other financial institutions are encouraging their customers to change the way they buy things. but people need to be careful. there are dangers associated with credit cards. some people find it very easy to exceed their budget. they are tempted to purchase goods that they do not really need, and can become quickly overburdened by debt. the credit cards often charge a high rate of interest, which exacerbates the problems for these people. however, used wisely credit cards can improve the quality of peoples lives. they can give people access to money to meet sudden unplanned expenses. properly handled, they can let people control their expenditure and the monthly statements provide a record of where their money has gone.

帮忙找找英语作文大学生使用信用卡的利弊

3，关于办信用卡应注意的问题的英语作文

如今，信用卡消费已成为时下人们的生活习惯。的确，信用卡给消费者带来诸多的方便。但是也有人表示，信用卡并非传说中的那样安全，其弊端也有种种。使用信用卡的利与弊有哪些呢?Now, the credit card consumption has become a popular lifestyle. Indeed, the credit card to bring a lot of convenience for consumers. But others said, credit card assecurity is not a legend, its malpractice also has all sorts of. The use of credit cards, what are the advantages and disadvantages?　　信用卡的利：安全、便利、尊贵、实惠、不欠人情、干净卫生、能缓解经济压力、累积个人信用记录、培养理财意识、便于家庭理财教育。Credit card interest: safety, convenience, noble, affordable, not owe, clean sanitation, can relieve the economic pressure, the accumulation of personal credit records, financial awareness, training for the family financial management education.　　信用卡的弊：盲目消费、过度消费、利息高、需交年费、盗刷、影响个人信用记录。Credit card fraud: blind consumption, excessive consumption, high interest,required to pay an annual fee, stolen brush, affect personal credit records.　　信用卡卡友带来很多好处，但是也有一定的不利的方便，所以提醒各位卡友，在使用信用卡时，要规避信用卡的弊端，合理掌握信用卡的使用。Credit card you bring many benefits, but also have certain unfavorable convenient,so remind card, in the use of credit cards, to avoid the abuse of credit card, a reasonable grasp the use of credit cards.

as mentioned in an early article, there are two types of credit cards: secured and unsecured. this article will explore some of the issues of secured credit cards.what is a secured credit card?a secured card is a credit card that requires you to deposit a certain amount of money into a savings account, money market account, or certificate of deposit. the minimum amount usually ranges between $200 and $500 but this will vary from one company to another. your deposit is considered your security and some card issuers will even allow the deposit to earn interest. the amount that you deposit into the account is your credit limit. you should understand that sometimes the limit will be for the full amount that you put into the account but with some companies your limit may be a percentage of the total amount that you deposited.a secured credit card is not a debit card. this is important to understand because if full payments are not made each month, interest will be charged on the outstanding balance.who should consider using secured credit cards?if you have no credit history at all, using a secured credit card can be a good way to begin establishing your credit. many young people who are just starting out may choose this as an option.if you have bad credit, you may wish to use a secured credit card to help you improve your credit score. in addition, a secured credit card may be the only source you will have for obtaining a credit card. there are some transactions that require the use of a credit card. this might include car rentals or hotel reservations. if you need to make those types of transactions and cannot get an unsecured credit card, this might be the only way you can get a true credit card. what to look for in a secured credit card:interest rate: do not be fooled into thinking that because you have no credit history or a bad credit report that you have to settle for exorbitant interest rates. make it a point to shop around for the lowest rates that you qualify for before you apply for a secured credit card.fees: pay close attention to any fees that will be charged to you or to your account once it is opened. there are some companies that will charge ridiculously high fees that will reduce your initial deposit before you even use the card. stay away from those companies. look for companies that have no fees whatsoever or for those companies that charge a small one-time fee to set up the account. annual fees for attractive secured cards typically range from $20-$35. scams: it is sad to say that there are companies out there who are in the business of ripping people off. they prey on the vulnerability of those who may be in a credit crunch. some of the things they do include promises of getting you "quick credit" for a price. another popular scam is to ask you to call a 900 phone number for "secrets" to getting a credit card or credit repair. your phone company will charge you a high rate for using a 900 number and you never get the information that was offered.the best advice to avoid secured credit card scams is that if it sounds too good to be true it is. use your common sense and do not be taken by these crooks.credit improvement issues: even with a very good payment history on your secured card it can takes many months before you begin to see improvement in your credit record. you have to be patient when repairing bad credit. you also have to be smart. make sure that the company that issues the secured credit card to you will report your good payment history to the three big credit reporting agencies. not all companies report and if they do not report you are simply wasting your time.keep in mind that they will also report your bad payment history if you do not pay on time. be careful and make your payments on time each and every month.

关于办信用卡应注意的问题的英语作文