你为什么要拥有信用卡英语，大学英语作文信用卡有哪些优缺点

来源：整理时间：2024-04-21 05:47:27 编辑：企业信用手机版

本文目录一览

1，大学英语作文信用卡有哪些优缺点
2，信用卡的含义及优点拜托了
3，求一篇有关信用卡的英语作文急
4，信用卡是怎么回事
5，信用卡是干啥用的有那些用处
6，关于办信用卡应注意的问题的英语作文

1，大学英语作文信用卡有哪些优缺点

合理用卡，不做卡奴

大学英语作文信用卡有哪些优缺点

2，信用卡的含义及优点拜托了

信用卡（英文：credit card）是一种非现金交易付款的方式，是简单的信贷服务。信用卡一般是长85.60毫米、宽53.98毫米、厚1毫米的塑料卡片（尺寸大小是由iso 7810、7816系列的文件定义），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，待结帐日时再行还款。除部份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。优点： 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。　　8、特有的附属卡功能,适合夫妻共同理财，或掌握子女的财务支出。　　9、自由选择的一卡双币形式,通行全世界，境外消费可以境内人民币还款。　　10、免费800电话24小时服务，挂失即时生效，失卡零风险。

含义就是你要提供到足以让银行比较放心的条件，让它们在没抵押的情况下借钱给你吖！优点就是能让你多一笔随时可以动用的未来流动资金。切记，信用卡的钱是借来的，是要还的，刷卡时就要考虑还款时。

信用卡的含义及优点拜托了

3，求一篇有关信用卡的英语作文急

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.

求一篇有关信用卡的英语作文急

4，信用卡是怎么回事

信用卡（英文：Credit Card）是一种非现金交易付款的方式，是简单的信贷服务。信用卡一般是长85.60毫米、宽53.98毫米、厚1毫米的塑料卡片（尺寸大小是由ISO 7810、7816系列的文件定义），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，待结账日时再行还款。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账户直接扣除资金。信用卡定义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。通俗地说，信用卡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。即当您的购物需求超出了您的支付能力或者你不希望使用现金时，你可以向银行借钱，这种借钱不需要支付任何的利息和手续费。信用卡就是银行答应借钱给您的凭证，信用卡将可以告诉你：你可以借银行多少钱、需要什么时候还。另外你还可以在你信用卡中没有钱的情况下，直接从ATM机器中取出现金。信用卡特点信用卡相比普通银行储蓄卡来说，最方便的使用方式就是可以在卡里没有现金的情况下进行普通消费，在很多情况下只要按期归还消费的金额就可以了 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、每月免费邮寄对账单,让你透明掌握每笔消费支出。 8、特有的附属卡功能,适合夫妻共同理财，或掌握子女的财务支出。 9、自由选择的一卡双币形式,通行全世界，境外消费可以境内人民币还款。 10、免费800电话24小时服务，挂失即时生效，失卡零风险

可以透支的银行卡

信用卡属于贷记卡是可以透支的卡卡内没有钱也可以根据银行给的额度用于刷卡消费和提现等到一定的时候再还钱给银行就行办理需本人带身份证工作证还有收入证明等到银行填表申请一般批下来要一个月左右到时银行会有短信通知你的

高高兴兴每一天。

5，信用卡是干啥用的有那些用处

信用卡（英语：Credit Card），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：Billing Date）时再进行还款。　　优点　　信用卡相比普通银行储蓄卡来说，最方便的使用方式就是可以在卡里没有现金的情况下进行普通消费，在很多情况下只要按期归还消费的金额就可以了。　　1.不需要存款即可透支消费，并可享有20-56天的免息期按时还款利息分文不收（大部分银行取现当天就会收取万分五的利息，还有2%的手续费，工商银行取现免收手续费，只收利息）；　　2.购物时刷卡不仅安全、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；（备注：信用卡只适合消费刷卡，最好不要取现，取现手续费用很高，很不划算）　　6.刷卡消费、部分信用卡取现有积分，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。（多数信用卡网上支付无积分，但网上购物支付很方便、快捷）；　　7.每月免费邮寄对账单，让你透明掌握每笔消费支出；(现提倡绿色环保，可取消纸质对账单更改为电子对账单) 　　8.特有的附属卡功能，适合夫妻共同理财，或掌握子女的财务支出；　　9.自由选择的一卡双币形式，通行全世界，境外消费可以境内人民币还款；　　10.400电话或9字打头5位数短号24小时服务，挂失即时生效，失卡零风险；　　11.拥有有效期：已知国内信用卡有效期一般为三年或五年。　　12.利用第三方平台（国内支持信用卡账单管理的平台主要是聚金豆）进行商务合作，为持卡人提供优惠服务。

是用你未来的收入覆盖你现在的支出。从宏观角度有利于扩大消费。银行是通过对商家收手续费以及放高利贷，平衡坏账以及免息的支出，如果不得当就变成了银行放给你的高利贷，如果你使用得当是免息的，本质上是一种增加信贷的支付工具

你好信用卡是方便你有什么急事的时候钱不够用了可以使用信用卡来支出一笔钱然后是要在一个月内还上的支出多少就要看你办理什么额度的了

6，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.