信用卡常用术语
国外留学与银行打交道的常用术语：
·cash card（现金卡）：可以从银行或atm机提取现金
·cheque guarantee card （支票保证卡）
·debit card（借记卡）
·credit card（信用卡）
·current account（现金帐户）：用于存（deposit），取（withdraw），日常开支，通常利息较低或没有利息。
·saving account（存款帐户）
·overdraft（透支）
什么是监理
account number 帐目编号
depositor 存户
pay-in slip 存款单
a deposit form 存款单
a banding machine 自动存取机
to deposit 存款
deposit receipt 存款收据
private deposits 私人存款
certificate of deposit 存单
deposit book, passbook 存折
credit card 信用卡
principal 本金
overdraft, overdraw 透支
to counter sign 双签
to endor 背书
endorr 背书人
to cash 兑现
to honor a cheque 兑付
to dishonor a cheque 拒付
to suspend payment 止付
cheque,check 支票
cheque book 支票本
order cheque 记名支票
bearer cheque 不记名支票
crosd cheque 横线支票
blank cheque 空白支票 清水羊肉
rubber cheque 空头支票
cheque stub, counterfoil 票根
cash cheque 现金支票
traveler s cheque 旅行支票
cheque for transfer 转帐支票 简单的家常豆腐
outstanding cheque 未付支票
canceled cheque 已付支票 科普活动策划方案
forged cheque 伪支票
bandar s note 庄票，银票
balance sheet 资产负债表
cash flow 现金流转
glossary 术语表
and用法
money order 汇款单，汇票
保育员岗位职责letter of credit n.[商](银行发行的)信用证
charge for 想...收费
大圆脸overdraw v.透支
overdraft n.透支, 透支之款项
endor [in5dc:s] v.在(票据)背面签名, 签注(文件), 认可, 签署
liability n.责任, 义务, 倾向, 债务, [负债], 与asts相对
ast n.[资产], 有用的东西
solvent adj. 有偿付能力的 n.溶媒, 溶剂, 解决方法
curities n.有价证券
time hull insurance 船舶定期保险
marine insurance 海损保险
maritime transportation insurance 海洋运输保险
fire insurance 火险
cargo insurance 货物保险
时时而间进account number - a unique number assigned by a financial institution to a customer. on a credit card, this number is embosd and encoded on the plastic card.
additional cardholder - when you have a credit card, it is often possible to add an addition
al card to the account for u by someone el. the main cardholder holds responsibility for ensuring payments on the additional card are made. purchas are shown on the credit card statement, which is nt monthly.
american express - also known as amex, this company is one of the main international credit card issuing schemes. it issues its own credit cards—unlike visa and mastercard—and is responsible for its own relationships with retailers.
annual fee - an annual (yearly) fee associated with having a credit card. this is a parate fee from interest rate on purchas.
annual percentage rate (apr) - the yearly percentage rate charged when a balance is held on a credit card. this rate is applied each month that an outstanding balance is prent.
approval respon - an authorization respon that is received when a transaction is approved.
atm - automated teller machines or cash points allow you to access cash with a credit car
d or other card associated with your bank account. you need to enter your personal identification number (pin) into the machine to access cash.
authentication - the process of assuring that data has come from its claimed source, or a process of corroborating the claimed identity of a communicating party.
authorization - every retailer has a purcha limit above which they must ek authorization from the card issuer before they can complete the sale. such authorization can be done by telephone or electronically at the cash till. authorization is ud to control credit card fraud. the cardholder’s available credit limit is reduced by the authorized amount.
authorization amount - currency amount approved.
authorization code - a code that an issuer or its authorizing processor provides to indicate approval or denial for an authorization request.
authorization date - date and time when the transaction was authorized.
authorization only - a transaction that is created to rerve an amount against a credit card’s available limit for intended purchas; the actual ttlement may occur within three to five days, depending on the card type.
authorized amount - currency amount approved.
authorized transaction - transaction that has been approved.
balance transfer - when the outstanding balance of one credit card (or veral credit cards) is moved to another credit card account.
balance transfer fee - a fee charged by a credit card company to transfer a balance from one account to another. this fee can be anywhere from 1%-5% of the balance amount. however, many credit card companies do not charge this fee. contact the credit card issuer for their specific fees.
bad credit - a term ud to describe a poor credit rating. common practices that can damage a credit rating include making late payments, skipping payments, exceeding card
limits or declaring bankruptcy. “bad credit” can result in being denied future credit.
bank account - bank account number for the merchant to which funds will be deposited.
