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.
. x/ ^, @$ P' ]6 i& h6 b　　Outstanding BalanceThe amount of debt including interest owing on a credit card
9 E& |( B; G) R& U+ [　　Monthly StatementA document issued on a monthly basis detailing the previous month's transactions, outstanding balance and payment due date.
& F* A. q! S  W: c$ d: B7 h; s　　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.
5 M9 @- M+ \$ ?" i　　Cash AdvanceA cash loan taken out on a credit card. Generally cash advances do not have an interest free period.
　　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。
7 G" v* g9 j  z; c! w) W5 `& H: \　　透支金额信用卡上包括利息的负债。
3 T: @. `4 j! s' A　　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。
! {/ Y* D" j3 U5 a　　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。
, S# b6 i* N& c/ {: }4 u0 M　　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。
　　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。