外语教育网
您的位置:外语教育网 > 行业英语 > 金融英语 > 相关阅读 正文
  • 站内搜索:

The Credit Card Economy信用卡经济

2006-05-17 11:15

The Credit Card Economy

  ——Money Transactions of the future

  Credit cards are big business. Americans spend $16 billion a year on cards and there are already 590 million of them in circulation. Many banks sponsor their own credit card companies and issue cards free to their customers. Other credit card companies charge their members annual dues. The stores that accept credit cards must pay a small fee to the credit card company —— a percentage of the purchase price of the merchandise or service. In turn, the credit card company promptly pays the store for the merchandise or service. Credit card companies make a profit from the fees they charge the store and also from the fees collected from customers who pay for their charges in monthly installments. However, credit card companies sometimes have problems collecting overdue payments from unreliable customers. Also, the use of stolen, lost, or counterfeit credit card by criminals has become a big headache for the credit card company that is responsible for the goods and services illegally charged to its customers' account.

  Many feel that it will only be a matter of time before credit cards completely replace cash and checks for both individuals and businesses. In such a credit card economy there would be only one “super-credit-card-bank-company” and each individual would be given his or her card.

  信用卡是赚钱的大买卖。美国人每年在信用卡上要消费16亿美元,已经有5.90亿张信用卡在流通。许多银行开办自己的信用卡公司,并免费发给他们的客户。其他的信用卡公司向他们的会员收取年费。接受信用卡的商店必须向信用卡公司支付少量费用 —— 按商品成交额或劳务费用的一定百分率计算。相反,信用卡公司则随时向商店支付购货及劳务的款项。信用卡公司向商店收取费用,以及向按月分期付款的客户收取费用,从而获得利润。然而,信用卡公司在向不讲信用的客户收取逾期款项时也会遇到麻烦。还有,不法分子使用被盗、丟失、或假信用卡,对信用卡公司来说是件头痛的事,因为在客户的账目中如记有不合法的商品和劳务支付,公司就得承担全部责任。

  许多人认为,信用卡完全代替现金,取代个人、企业支票只是时间问题。在这种信用卡经济中,要是只有一家“超级信用卡银行公司”,那人人就会得到信用卡。

相关热词:行业 英语
行业英语辅导课程
李 健协和医科大学医学博士,美国国立卫生研究院博士后……详情>>
李健:医学英语网上辅导名师
高 云澳大利亚注册会计师协会会员,会计专业硕士……详情>>
高云:财会英语网上辅导名师
李文沛中国政法大学博士,师从著名法学家周忠海教授……详情>>
李文沛:法律英语网上辅导名师

  1、凡本网注明 “来源:外语教育网”的所有作品,版权均属外语教育网所有,未经本网授权不得转载、链接、转贴或以其他方式使用;已经本网授权的,应在授权范围内使用,且必须注明“来源:外语教育网”。违反上述声明者,本网将追究其法律责任。
  2、本网部分资料为网上搜集转载,均尽力标明作者和出处。对于本网刊载作品涉及版权等问题的,请作者与本网站联系,本网站核实确认后会尽快予以处理。本网转载之作品,并不意味着认同该作品的观点或真实性。如其他媒体、网站或个人转载使用,请与著作权人联系,并自负法律责任。
  3、联系方式
  编辑信箱:for68@chinaacc.com
  电话:010-82319999-2371