金融英语信用卡

会计考友

　　Credit CardGranted to consumers for buying products and services but allowing delayed payment.
　　Interest Free （Grace） PeriodA length of time the user of a credit card is entitled to credit without having to pay interest assuming prompt monthly payment.
( q2 m8 y0 F6 O! x$ L( E0 r; {7 @　　Outstanding BalanceThe amount of debt including interest owing on a credit card
8 U+ A/ `+ }6 k, j: H8 R, D　　Monthly StatementA document issued on a monthly basis detailing the previous month's transactions, outstanding balance and payment due date.
　　Credit LimitThe maximum amount of credit a bank or other lender will extend to customers on a single credit card.
　　Unsecured DebtDebt, which is not guaranteed by collateral, therefore, no assets are committed in case of default.
6 ~  R2 p" g* p3 X. n　　Cash AdvanceA cash loan taken out on a credit card. Generally cash advances do not have an interest free period.
# ?: z7 F) X. l1 V4 H; H) v7 Q　　信用卡允许客户提前购买产品和服务而后付款。
- }7 P6 U2 T, W3 T& [; m　　免息期/宽限期如果每月及时还款，信用卡持有人有权免息使用一定信用额度的期间。
　　透支金额信用卡上包括利息的负债。
" s% B7 D5 F3 Z* |; W! ~& b+ f　　月度报表每月发出的文件，列出上个月的交易，拖欠金额和付款日。
　　信用额度银行或其他借方允许客户用信用卡透支的最高金额。
, C$ f9 L5 Y4 B# {& Q　　未担保债务没有抵押物作为担保的债务，在违约时没有抵押物可以补偿损失。
) ^. S9 \& ^" j! M+ R" f9 j1 |　　预提现金信用卡上的现金贷款。通常提前支取现金不享受免息期。