金融术语词汇辅导：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.Outstanding BalanceThe amount of debt including interest owing on a credit cardMonthly 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.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。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。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。