信用卡英文翻译

信用卡外文翻译：Understanding Credit Cards

信用卡是一种便捷的支付工具，它允许持卡人在购买商品或服务时延迟支付，从而提供了灵活性和便利性。但是，理解信用卡的工作原理和相关术语对于有效地管理个人财务至关重要。以下是一些关键术语的英文翻译和解释：

1.

Credit Card (信用卡)

: A plastic card issued by a financial institution that allows cardholders to borrow funds to pay for goods and services based on the promise to repay the borrowed amount plus any agreedupon fees and interest.

2.

Credit Limit (信用额度)

: The maximum amount of money that a cardholder can borrow on a credit card. Exceeding this limit may result in penalties or declined transactions.

3.

Interest Rate (利率)

: The percentage of the borrowed amount (called the principal) that is charged by the lender as a form of compensation for the use of their money.

4.

Annual Fee (年费)

: A yearly fee charged by the credit card issuer for the privilege of using the credit card. Not all credit cards have an annual fee.

5.

Minimum Payment (最低还款额)

: The smallest amount of money that a cardholder must pay each billing cycle to keep the account in good standing. Paying only the minimum payment can result in significant interest charges and a longer time to pay off the balance.

6.

Billing Cycle (账单周期)

: The period of time between credit card statements, usually ranging from 28 to 31 days. This is the time frame in which purchases are tallied and payments are due.

7.

Statement Balance (账单余额)

: The total amount of charges, fees, and interest posted to the credit card account during the billing cycle. This is the amount that the cardholder is required to pay by the due date to avoid interest charges.

8.

Grace Period (宽限期)

: The period of time between the end of a billing cycle and the due date for payment during which no interest is charged on new purchases if the statement balance is paid in full.

9.

Cash Advance (取现)

: A service provided by credit card issuers that allows cardholders to withdraw cash, either from an ATM or over the counter at a bank or other financial institution. Cash advances often have higher interest rates and fees than regular purchases.

10.

Credit Score (信用评分)

: A numerical representation of a person's creditworthiness based on their credit history. Lenders use credit scores to assess the risk of lending money to an individual.

理解这些术语对于有效地管理信用卡账户以及避免不必要的费用和债务至关重要。合理使用信用卡，并按时还清余额，有助于建立良好的信用记录，从而获得更好的贷款条件和金融机会。

希望这些翻译和解释能够帮助您更好地理解信用卡的相关内容。