Credit CardGranted to consumers for buying products and services but allowing delayed payment.
t8 S& e* P* n% X h 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.2 D2 X# G6 `' O' L* ^' C
Outstanding BalanceThe amount of debt including interest owing on a credit card
2 a l' {! w& S0 v+ T Monthly StatementA document issued on a monthly basis detailing the previous month’s transactions, outstanding balance and payment due date.
% t0 }1 g& J" O ~ Credit LimitThe maximum amount of credit a bank or other lender will extend to customers on a single credit card./ M; A! M, }" L6 L7 N: p5 R" F2 q
Unsecured DebtDebt, which is not guaranteed by collateral, therefore, no assets are committed in case of default.: i e1 i7 C1 E/ j; y4 {4 n. A6 D$ I
Cash AdvanceA cash loan taken out on a credit card. Generally cash advances do not have an interest free period.
8 _ q2 T# C- g4 x/ P9 Z" R 信用卡允许客户提前购买产品和服务而后付款。
0 f; L# B+ p1 I' d+ Y6 l, l W% P 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。) r% E# p) q6 U: |! [3 n
透支金额信用卡上包括利息的负债。% B* p4 R8 [9 ]3 j. S
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。
+ P" O; N! ]2 [ 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。2 `# N! d9 Z. {9 f! y& ~; j
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。1 j# z' S# p* S' U [% {' `: W
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。 |