今天给各位整理分享关于有关信用卡的知识英语的知识，其中也会对办理信用卡 英语进行解释，如果能碰巧解决你现在面临的问题，别忘了关注收藏本站，现在开始吧！
本文快速导读目录：
一篇关于信用卡的英文文章
Credit Card Cash Advance Pitfalls
Credit card cash advances can provide consumers with convenient and instant access to "cold cash" in times of financial need, but cash advances should be avoided if at all p.o.s sible. Informed consumers realize that cash advances are typically accompanied by fees and exorbitant interest rates (there is also no grace periodfor cash advances). Moreover, cash advances can be a major stumbling block for consumers seeking debt relief. We hope the following tips help consumers avoid the pitfalls associated with cash advances.
* Fees for cash advances vary, but fees can be very costly. Fees are computed using two calculation methods. Many card issuers calculate fees on a percentage basis, which typically ranges from 1% to 4%. Other issuers charge "flat fees" for advances. "Flat fees" are not based on the amount of the advance and, therefore, are always the same.
An increasing trend is to combine both calculation methods. Combining calculation methods results in higher cash advance fees. An example of this would be an issuer that charges x% for an advance, but charges a minimum of $10 regardless of the amount of the advance. Another example would be an issuer that charges x% for an advance or $20, whichever is greater. Read the terms of your card agreement carefully. Fee calculation can get tricky.
A few issuers do not charge any fees at all. This is very rare, though.
Finally, if you must get an advance, avoid using ATM machines. ATMs charge an additional fee for advances. This fee is charged by the financial institution that owns the ATM.
* Often the greatest potential pitfall for consumers who decide to get a cash advance involves finance or interest charges. The interest rate for cash advances is often several points higher than the normal purchase interest rate (the rate that is associated with everyday card purchases). Cash advance rates normally range from 20% to 25%. In contrast, the average purchase rate for a standard credit card ranges from 15.88% to 17.30% according to. However, a few issuers charge the same rate for both purchases and cash advances "Low Rate Report" for more info).
Other finance charge pitfalls involve grace periods and the payment method that a card issuer utilizes. Cash advances begin accruing interest immediately and, therefore, are not subject to a grace period. Thus, even if you pay your card balance in full when your bill arrives, you will still be accessed a finance charge for any advances.
A similar pitfall involves the manner in which payments are applied to your account. Most issuers apply payments to card purchases before they apply payments to cash advances (i.e. payments are first applied to purchases). If you carry a balance on your card, this can result in your a dramatic increase in your finance charges and overall interest rate.
* Please be aware that any "credit card checks" that you receive in the mail are usually treated as cash advances! Card issuers often tout such checks as an easy way to pay off the bill of your choice or to acquire some extra spending money. While using a check may be convenient, it can be extremely costly. Many balance transfers are also treated as cash advances.
* Dependency on cash advances can be an outward sign of serious debt problems. Consumers that regularly rely on advances to "make ends meet" urgently need debt counseling. Cash advances are so tempting that some cardholders fall victim to the "cash advance trap" and find themselves caught in a vicious cycle. If this statement applies to you or someone you know, please consult CardRating.com's "Get Debt Relief" section for a list of helpful resources
关于办信用卡应注意的问题的英语作文
如今，信用卡消费已成为时下人们的生活习惯。的确，信用卡给消费者带来诸多的方便。但是也有人表示，信用卡并非传说中的那样安全，其弊端也有种种。使用信用卡的利与弊有哪些呢?
Now, the credit card consumption has become a popular lifestyle. Indeed, the credit card to bring a lot of convenience for consumers. But others said, credit card assecurity is not a legend, its malpractice also has all sorts of. The use of credit cards, what are the advantages and disadvantages?
信用卡的利：安全、便利、尊贵、实惠、不欠人情、干净卫生、能缓解经济压力、累积个人信用记录、培养理财意识、便于家庭理财教育。
Credit card interest: safety, convenience, noble, affordable, not owe, clean sanitation, can relieve the economic pressure, the accumulation of personal credit records, financial awareness, training for the family financial management education.
信用卡的弊：盲目消费、过度消费、利息高、需交年费、盗刷、影响个人信用记录。
Credit card fraud: blind consumption, excessive consumption, high interest,required to pay an annual fee, stolen brush, affect personal credit records.
信用卡卡友带来很多好处，但是也有一定的不利的方便，所以提醒各位卡友，在使用信用卡时，要规避信用卡的弊端，合理掌握信用卡的使用。
Credit card you bring many benefits, but also have certain unfavorable convenient,so remind card, in the use of credit cards, to avoid the abuse of credit card, a reasonable grasp the use of credit cards.
信用卡的英语单词
您好， 信用卡的英语单词：credit card
若您有对信用卡感兴趣，对于信用卡的基本功能大致都是相同的，例如都可以先消费、后还款；使用预借现金功能；选择最低还款业务；网上购物；分期购物等等。若您对刷卡消费没有特别的要求，申请任意一款都是可以的。
若您需要详细了解，您可以点此链接
详细了解下招商银行信用卡。
目前招行所有信用卡里，YOUNG卡青年版是最好申请的，因为是2010年才推出的、针对大学毕业、30岁以下的社会新鲜人，相对来说容易批到。建议如果是在招行申请自己名下的首张信用卡，可以优先考虑办YOUNG青年版比较好。另外，招行并不限制同户名下有几张卡，都是共享额度的，等批到YOUNG青年版后，随着自己需求的增加——外出旅游或者用餐、买了汽车需要办“车购易”、玩游戏需要兑换魔兽的点卡等等——可以办其他招行信用卡了。一般在已经持卡的情况下申请招行“二卡”都能批到的（白金卡、无限卡除外，那些主要由银行发起邀请）。
有关信用卡的英语短文
How To Stop Credit Card Abuse
Consumer complaints about credit card abuse continues to increase despite clearly defined federal regulations meant to stop abuse. By knowing and understanding your rights, you can stop abuse. Let� examine four common methods of credit card company abuse and what you can do to stop the victimizing.
1. My creditor is charging me for items I did not purchase. Examine your bill every month to make sure that what you are being charged is what you ordered. If there is something listed that does not belong to you, notify the credit card company in writing about the disputed item. Federal law requires you do this within sixty days of receiving your bill. You must do this in writing as your rights will not be protected if you call in your complaint. Credit card companies have two billing cycles or 90 days to correct the problem.
2. My creditor regularly charges me late fees. You know that you always mail your credit payments in on time, but you just got hit with a late fee. If you are a customer in good standing, write a complaint to the credit card company and tell them you want the charge reversed. If this was a one time occurrence, your creditor will likely reverse the charge promptly. If you regularly get hit with late fees, make sure your payment is always mailed in well in advance of the date that it is due. Shady credit card companies will move up the day that your payment is due without your being aware of it. Always open your bill immediately and plan on making payments as soon as p.o.s sible.
3. I was late with a mortgage payment and now my credit card company is raising their rates. Yes, as unbelievable as it sounds, some credit card companies have a provision in their contract that lists a Universal default charge. What this means is this: if you are late paying back a separate creditor, your credit card company can raise their rates. In other words, you have now become less creditworthy in their eyes and your rate has doubled or tripled! The only way to combat this problem is to pay off your credit cards in full every month.
To overcome abuse, you must take charge of the situation and respond in the proper manner. Good credit card companies correct their errors while abusers continue this practice. In the end, it may be time for you to sever your relationship with them.
急需两篇关于信用卡的好处的英语作文
Credit cards have had bad press over the past few months of the credit crunch they only cause more debt and have unfair rates of interest. . However, if a credit card is used in the correct way and you keep up with your payments, they can be very valuable in many aspects.
One of the most beneficial aspects of having a credit card is that it can help you to increase your credit score. If you have little borrowing experience, taking out a credit card helps to convey to other creditors that you are a responsible and reliable borrower.
Another benefit of owning a credit card is that it can be easier to buy things. Some companies, such as those in the travel sector like hotels, airlines and car rental companies prefer payment by credit card, and some do not accept cash payments at all. As well as this convenience, many card companies give insurance on large purchases. An example of this is when airline XL went bust in September,
A more obvious benefit of a credit card, and one of the main reasons people apply for a credit card, is that you have access to money during emergencies. If you resist the temptation of spending the money on your credit card, you are left with a good sum of money to use when you most need it. You only pay interest on purchases or on cash withdrawals, so keeping a credit card at home (where you won't be able to spend on it) can be very valuable.
第二篇，
What Are the Advantages of Business Credit Cards?
Easier to obtain than lines of credit, these cards can help
the small business owner conserve cash while still buying the equipment and supplies needed to keep the business moving forward. Surveys report that more than 65 percent of small businesses now have credit cards, and this number continues to rise. Of course, not unlike personal credit cards, the same warnings hold true: Business credit cards must be used cautiously and only for the sake of the business.
Although business credit cards typically carry an annual fee, it is usually rather nominal. A number of advantages are evident in such business credit cards, including:
Another advantage of a business credit card is that by using it, you are demonstrating the growth of business while promoting it at the same time. Even someone running a home-based business gains more credibility when flashing a business credit card.
有关信用卡的知识英语的介绍就聊到这里吧，感谢你花时间阅读本站内容，更多关于办理信用卡 英语、有关信用卡的知识英语的信息您可以在本站进行搜索查找阅读喔。
还没有评论，来说两句吧...