本篇文章跟大家探讨下信用卡知识英文，以及信用卡 英文缩写对应的知识信息，希望对各位有所帮助，不要忘了收藏本站以备日后需要哇。
本文快速导读目录：
信用卡办了不用有什么影响吗
大部分卡片办理之后未领取的话是没有什么影响的，但是一般来说信用卡是会邮寄到家的，到家后，有的卡片不激活是不产生费用的，但是有的却不是这样。很多高端信用卡在办理之后，无论是否激活，都是会收取年费的。所以如果办了之后就把卡扔在一边不用，也不看账单的话，就会造成逾期，而年费越积越多，逾期也会越来越严重，对用户的个人征信也会造成很大的影响。
只要申办了信用卡，就会记入央行征信当中，如果用户的卡片没有激活的话，也会在用户的个人征信上显示“该卡尚未激活”。而这样的记录对用户办理信贷业务是会有一定的影响的。
信用卡又叫贷记卡，是由商业银行或信用卡公司对信用合格的消费者发行的信用证明。其形式是一张正面印有发卡银行名称、有效期、号码、持卡人姓名等内容，背面有磁条、签名条的卡片。持有信用卡的消费者可以到特约商业服务部门购物或消费，再由银行同商户和持卡人进行结算，持卡人可以在规定额度内透支。
我国有关法律（《全国人民代表大会常务委员会关于有关信用卡规定的解释》）规定的信用卡，是指由商业银行或者其他金融机构发行的具有消费支付、信用贷款、转账结算、存取现金等全部功能或者部分功能的电子支付卡。2017年12月1日，《公共服务领域英文译写规范》正式实施，规定信用卡标准英文名为Credit Card
信用卡消费是一种非现金交易付款的方式，消费时无须支付现金，待账单日（Billing Date）时再进行还款。
信用卡的销户相关知识如下：
注意需要将所有欠款还清后才能注销。这个欠款包括年费等。所以销卡时一定要问清楚，绝对不能留下一分钱的债务。
注销卡片后要把磁条剪断。如果卡片完整，在部分只需要卡号而不用核对信息的消费场所，有可能仍然能用。最好的办法是把磁条剪成几块扔到不同的垃圾堆里，防止别有用心的人盗用。
注销卡片后，还要等46-56天后银行才会确认销户（银行要等到销户后第二期账单出来后，确认无欠款才正式销户）。此时，持卡人一般要在销卡46天后要及时打电话去银行确认是否销户，防止银行因为某些原因没有销卡成功，而持卡人却以为销卡成功了，将来造成不必要的麻烦。
信用卡注销方式：
（1）、电话销卡：持卡人可以拨打客服电话申请；
（2）、网点销卡：有一些银行采取的是让持卡人带着身份证以及信用卡到当地任意一家网点销卡的方式。在填写销户申请表后，银行会将持卡人的身份证复印件以及所填写的销户申请表上报给总行，一段时间后持卡人可以打电话去核实自己的信用卡有没有注销。
（3）、指定地点销卡：还有少数银行则需要去指定地点注销信用卡。
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.
信用卡用英文怎么说？
信用卡英文名字怎么写
信用卡英文名字是：credit
card
credit
card
英[ˈkredit
kɑ:d]
美[ˈkrɛdɪt
kɑrd]
n.
信用卡，签账卡;
[例句]you
can
pay
by
credit
card.
你可以用信用卡付账。
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
信用卡的英语单词
您好信用卡知识英文， 信用卡的英语单词：credit card
若您有对信用卡感兴趣信用卡知识英文，对于信用卡的基本功能大致都是相同的信用卡知识英文，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——可以办其信用卡知识英文他招行信用卡了。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）。
哪位高人能提供一篇关于信用卡的中英文对照文章
PAYMENT FORM FOR CREDIT CARD
为支付会议费用，我愿意用以下信用卡支付：□ Visa信用卡 □ 美国运通卡 □ 万事达卡（信用卡用人民币支付并且将在卡中扣除4%的手续费）
I would like to make the payment for the conference by □ Visa □ American Express □ Master Card （payment by Credit Cards will be charged in RMB and 4% service fee more will be charged by banks from your card）
信用卡号码： 有效期限：
信用卡用户名：
Credit Card No.： Expiry Date：
Name on Card：
我同意从我信用卡中向CAS的国际科学交流中心支付[ ]美元，并由中国银行附加4%的手续费。我已经随信寄出我信用卡双面的清晰复印件。
I consent to the Center for International Scientific Exchanges， CAS debiting my credit card account with the amount of US$ [ ] and the Bank of China is to charge 4% service fee in addition to this amount. I have also sent a clear copy of both sides of the credit card to you along with this form.
签名： [ ] （应和信用卡上名字一致）
Signature： [ ] （should be the same with that on the card）
日期：
Date
注：
以上是由[ ]博士支付Note：
The payment above is made for Dr. [ ]
通讯地址：[ ]女士
国际科学交流中心，CAS
ICEC20秘书处
中国北京三立和路52号，邮编：100864
电话：[ ]；
传真：[ ]
电子邮件：[ ] Correspondence：
Ms. [ ] Center for International Scientific Exchanges， CAS
Secretariat of ICEC20 52
Sanlihe Rd.， Beijing 100864， China
Tel： [ ]；
Fax： [ ]
Email： [ ]
对于信用卡知识英文和信用卡 英文缩写的总结分享本篇到此就结束了，不知你从中学到你需要的知识点没 ？如果还想了解更多这方面的内容，记得收藏关注本站后续更新。
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