匿名使用者
匿名使用者 發問時間: 商業與財經個人理財 · 1 0 年前

請問請提供.信用卡部門一些常用的英文術語

請問請提供.信用卡部門一些常用的英文術語及中文意思..

ex.何謂cycle day?

等等等..愈詳細愈好.

1 個解答

評分
  • 1 0 年前
    最佳解答

    提供一些台灣常用信用英文術語,

    英文解釋清楚些,

    有些台灣現行信用卡不用的就不說了,

    希望對你有幫助。

    Credit Definitions

    Affinity Credit Card(認同卡): A credit card that is branded by two organizations. One is a credit card issuer and the other is a company or brand name. For example Citibank sponsors/offers the SONY credit card.

    Annual Fee(年費): The charge imposed yearly to use a specific credit card.

    Annual Percentage Rate (APR)(年利率): The yearly cost of carrying a balance on a credit line.

    Available Credit(可用額度): The amount of a credit line that has not been used. Available credit equals the "credit limit" minus the "current balance."

    Balance(信用餘額): The total amount of money owed on a credit line. It includes any unpaid balance from the previous months, new purchases, cash advances and any charges

    Billing Cycle, Cycle day(結帳週期):The total # of days between the last due date and the current due date on a credit card statement.

    Billing Statement(帳單): A monthly bill from a creditor which summarizes the activity and expenses on an account.

    Cash Advance(預借現金金額): An instant loan from a credit card account. The Card Company will charge interest from the day the advance is taken until the day it is paid off. A transaction fee may also be charged based on the amount of the withdrawal.

    Cash Advance Fee(預現手續費): A one-time fee for cash advances in addition to normal interest charges. This fee is usually a percentage of the advance amount

    Credit History(信用歷史狀況): An official record detailing how people manage their debts. This information is collected by the three major credit reporting agencies and includes everything from one's Social Security number, current and prior addresses, detailed status of all credit lines or loans and employment info. A bankruptcy also appears in your credit history if filed withing the past 10years. Information in your credit history is the determining factor in qualifying or disqualifying you from obtaining credit lines, home mortgages, loans, leases, and sometimes even employment.

    Credit Limit(信用上限): The maximum amount that a person is allowed to charge and owe on a credit card. It includes purchases, cash advances, and any finance charges or fees.

    Credit Line(信用額度): The amount of revolving credit. Any amount up to the limit of the line of credit may be "borrowed." The cost of purchases or cash advances, plus the interest charges, is paid off over a period of time. We reccomend you pay of your entire balance of the credit line each month as thisis the best way to build a positive credit history while increasing your credit line. If you do pay the outstanding balance over time, the credit line becomes available again for usage.

    Due Date(截止日): The day in which a payment must be received by creditor. After that date late fees are often charged, and late payments are often reported to the 3 major credit reporting agencies.

    Installment Loan(分期貸款): A loan that a person promises to pay back in fixed, scheduled payments over a specific period of time. In addition to the original amount borrowed, interest is paid - a fee for the use of the lender's money. Student loans, home equity loans and auto loans are usually installment loans.

    Interest Rate(利率): A fee that is charged for money lent from a creditor

    Minimum Monthly Payment/Amount Due(最低應繳金額):

    The smallest amount that can be paid by the due date and still meet the terms of the cardholder agreement. See also Balance/Amount I Owe

    Posting Date(入帳日): The date that a purchase, cash advance or payment is actually recorded on an account. Usually within 48 hours of the creditor receiving payment.

    Revolving Credit(循環信用金額): A credit agreement that allows consumers to pay all or part of the outstanding balance on a loan or credit card. As the balance is paid off, credit becomes available again to use for another purchase or cash advance.

    Transaction Date(交易日)The actual date when something is purchased or when cash is withdrawn.

    Transaction Fee(交易費)A fee charge for credit activities. Examples are using an ATM or receiving cash advances.

    Zero Balance(零餘額)When the total outstanding balance of a credit line is paid in full. It means NO money is owed to the credit card company

    參考資料: 工作經驗
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