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:

金融英语阅读:信用卡

2006-05-23 09:05
Today, more and more people in the United States are using credit cards instead of money to buy the things they need. Almost any one who has a steady income and a continuous work record can apply for a credit card. There are many credit cards available: American Express, VISA, and Master Charge are some of the most popular.    今天,越来越多的美国人流行用信用卡而不是用货币购买他们所需要的东西。几乎所有收入来源稳定,有持续工作记录的人都可以申请信用卡。可供选择的信用卡种类很多,其中有些信用卡很流行,如美国运通卡、维萨卡及万事达卡等等。 
If you have a credit card, you can buy a car, eat a dinner, take a trip, and even get a haircut by charging the cost to your account. In this way, you can pay for purchases a month later, without any extra charge. Or you may choose to make your payments over several months and pay only part of the total amount each month. If you do this, the credit company, or the bank that sponsors the credit card, will add a small service charge to your total bill. This is very convenient for the customer.    如果你持有信用卡,只要记一下账,你就可以买汽车、旅行甚至理发。这样,你可以在一个月以后再支付货款,不收任何额外的费用。或者,你可以选择在几个月期间内进行支付,每个月只付其中的一部分。如果你这样做,信用卡公司,或发卡银行会在你的账单总额中加收一点手续费。这对客户是非常便利的。 
With the credit card in your wallet or purse, you don't have to carry much cash and worry about losing money through carelessness or theft. The card user only has to worry about paying the final bill. This, of course, can be a problem, if you charge more than you can pay for. In the recent years, credit cards also appear in China. The Great Wall credit card and the Peony credit card are the pioneer cards sponsored by the Bank of China and the Industrial and Commercial Bank of China, respectively.    你的皮夹里有信用卡,你就不必携带大量的现金,也不必担心由于疏忽大意或遭扒窃而丧失钱财。持卡人只须为最终结账而担忧。当然,如果你的账单金额超出了你的支付能力,这就成问题了。近年来,中国也有了信用卡。长城信用卡和牡丹信用卡是由中国银行和中国工商银行分别发行的早期信用卡。 
Many of us believe that it will only be a matter of time before credit cards replace cash and checks for both individuals and businesses.    我们许多人相信,信用卡代替现金,取代个人支票和企业支票只是一个时间问题。 
People spend a lot of money in their daily lives. Working people spend their money on transportation to and from work, and on various expenses throughout the day. Most people enjoy shopping and buy many things that they need and want. They buy sports equipment, go to sporting events, and do many things that cost money.    人们在日常生活中花费大量的货币。有工作的人花钱乘车上下班,用于日常的各种消费。人们大都喜欢购物,购买他们想要的必需品。他们购买体育器材,参加体育比赛项目,从事许多花钱的活动。 
However, many Americans don't pay cash or write checks for these things. More and more they pay for things with credit cards. Credit cards are small rectangular plastic cards. Banks give these cards to their customers. When a customer buys something at a store, he shows his card at the store. This authorizes the store to charge the bank for the customers purchase. The bank collects all the charges for each customer. Then once a month the bank requires the customer to pay all the charges for that month. The bank doesn't force the customer to pay the full amount. It allows the customer to pay for charges in several payments over a period of time. However, the bank requires the customer to pay interest on the unpaid part of the charges. In this way the bank allows customers to buy things that they can not afford at one time. People can use the cards to buy what they want and pay for it over a period of time. They also do not need to carry a lot of money.    可是,许多美国人不用现金购物,也不用支票购物,他们越来越多地用信用卡来支付购物款。信用卡是小方形的塑料卡片,银行就把这些卡片给客户。当客户在商店购物时,只要出示本人的信用卡,这就授权商店向银行收取客户的购物款,银行向每一个客户收取所有费用,于是,银行每月一次要求客户支付当月的所有费用。银行并不强迫客户付清所有费用,允许客户在一段时期内分几次支付费用。然而,银行要求客户对未偿还费用支付利息,银行用这样的方法,允许客户购买他们一次付不起的东西。人们可以使用信用卡购买他们需要的东西,并在一段时期内付款,也不必随身携带大量的现金。
So, a credit card is a card issued by a bank, allowing the holder to obtain goods and services on credit.    如此说来,信用卡是由银行发行的卡,持卡人可以凭卡赊购商品和劳务。 
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