Credit CardGranted to consumers for buying products and services but allowing delayed payment.# d7 d" i: m# p8 v" M' n
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.
( L x' z/ O: T Outstanding BalanceThe amount of debt including interest owing on a credit card* i" c& U9 Q$ d# {
Monthly StatementA document issued on a monthly basis detailing the previous month's transactions, outstanding balance and payment due date.
7 o5 D+ q) X/ B& `* ` Credit LimitThe maximum amount of credit a bank or other lender will extend to customers on a single credit card.
( G; x+ H% G: h3 Q/ k+ T Unsecured DebtDebt, which is not guaranteed by collateral, therefore, no assets are committed in case of default.' U. v6 E+ m* ]" u
Cash AdvanceA cash loan taken out on a credit card. Generally cash advances do not have an interest free period.
# H- ?& c$ |9 O- N 信用卡允许客户提前购买产品和服务而后付款。8 m# x- p1 ?- V
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。
+ f, S% L$ z& i( w 透支金额信用卡上包括利息的负债。' `; _, S5 Y, i* n Z' h
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。
" Q, `% m+ T& c! I, ] 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。$ M1 J( H* ^ r: B9 k; B
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。
" ]0 i/ y @# M6 R O. p 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。 |