2012年金融英语考试国民经济词汇辅导(1)

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.
# ^& ]+ u5 g0 J4 I5 R2 u( q( _! T　　Outstanding BalanceThe amount of debt including interest owing on a credit card
0 v$ C" M! P0 s; B　　Monthly StatementA document issued on a monthly basis detailing the previous month’s transactions, outstanding balance and payment due date.
$ Y2 C# j5 O, o5 g+ z- _+ T- O　　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.
　　Cash AdvanceA cash loan taken out on a credit card. Generally cash advances do not have an interest free period.
( V3 k% K/ \. U7 f( E　　信用卡允许客户提前购买产品和服务而后付款。
　　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。
8 B: c' B3 t3 n; y7 E# j　　透支金额信用卡上包括利息的负债。
　　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。
　　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。
8 |" l7 E5 }4 X1 h0 ]　　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。