信用卡常用术语Credit card term.docx

信用卡常用术语Credit card term.docx

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信用卡常用术语Creditcardterm

信用卡常用术语Creditcardterm

信用卡常用术语Creditcardterm信用卡常用术语Creditcardterm国外留学与银行打交道的常用术语：

cashcard（现金卡）：

可以从银行或atm机提取现金

chequeguaranteecard（支票保证卡）

debitcard（借记卡）

creditcard（信用卡）

currentaccount（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。

savingaccount（存款帐户）

overdraft（透支）

accountnumber帐目编号

depositor存户

pay-inslip存款单

adepositform存款单

abandingmachine自动存取机

todeposit存款

depositreceipt存款收据

privatedeposits私人存款

certificateofdeposit存单

depositbook,passbook存折

creditcard信用卡

principal本金

overdraft,overdraw透支

tocountersign双签

toendorse背书

endorser背书人

tocash兑现

tohonoracheque兑付

todishonoracheque拒付

tosuspendpayment止付

cheque,check支票

chequebook支票本

ordercheque记名支票

bearercheque不记名支票

crossedcheque横线支票

blankcheque空白支票

rubbercheque空头支票

chequestub,counterfoil票根

cashcheque现金支票

travelerscheque旅行支票

chequefortransfer转帐支票

outstandingcheque未付支票

canceledcheque已付支票

forgedcheque伪支票

bandarsnote庄票，银票

balancesheet资产负债表

cashflow现金流转

glossary术语表

moneyorder汇款单，汇票

letterofcreditn.[商]（银行发行的）信用证

chargefor想...收费

overdrawv.透支

overdraftn.透支,透支之款项

endorse[in5dc:

s]v.在（票据）背面签名,签注（文件）,认可,签署

liabilityn.责任,义务,倾向,债务,[负债],与assets相对

assetn.[资产],有用的东西

solventadj.有偿付能力的n.溶媒,溶剂,解决方法

securitiesn.有价证券

timehullinsurance船舶定期保险

marineinsurance海损保险

maritimetransportationinsurance海洋运输保险

fireinsurance火险

cargoinsurance货物保险

accountnumber-auniquenumberassignedbyafinancialinstitutiontoacustomer.onacreditcard,thisnumberisembossedandencodedontheplasticcard.

additionalcardholder-whenyouhaveacreditcard,itisoftenpossibletoaddanadditionalcardtotheaccountforusebysomeoneelse.themaincardholderholdsresponsibilityforensuringpaymentsontheadditionalcardaremade.purchasesareshownonthecreditcardstatement,whichissentmonthly.

americanexpress-alsoknownasamex,thiscompanyisoneofthemaininternationalcreditcardissuingschemes.itissuesitsowncreditcardsunlikevisaandmastercardandisresponsibleforitsownrelationshipswithretailers.

annualfee-anannual（yearly）feeassociatedwithhavingacreditcard.thisisaseparatefeefrominterestrateonpurchases.

annualpercentagerate（apr）-theyearlypercentageratechargedwhenabalanceisheldonacreditcard.thisrateisappliedeachmonththatanoutstandingbalanceispresent.

approvalresponse-anauthorizationresponsethatisreceivedwhenatransactionisapproved.

atm-automatedtellermachinesorcashpointsallowyoutoaccesscashwithacreditcardorothercardassociatedwithyourbankaccount.youneedtoenteryourpersonalidentificationnumber（pin）intothemachinetoaccesscash.

authentication-theprocessofassuringthatdatahascomefromitsclaimedsource,oraprocessofcorroboratingtheclaimedidentityofacommunicatingparty.

authorization-everyretailerhasapurchaselimitabovewhichtheymustseekauthorizationfromthecardissuerbeforetheycancompletethesale.suchauthorizationcanbedonebytelephoneorelectronicallyatthecashtill.authorizationisusedtocontrolcreditcardfraud.thecardholdersavailablecreditlimitisreducedbytheauthorizedamount.

authorizationamount-currencyamountapproved.

authorizationcode-acodethatanissueroritsauthorizingprocessorprovidestoindicateapprovalordenialforanauthorizationrequest.

authorizationdate-dateandtimewhenthetransactionwasauthorized.

authorizationonly-atransactionthatiscreatedtoreserveanamountagainstacreditcardsavailablelimitforintendedpurchases;theactualsettlementmayoccurwithinthreetofivedays,dependingonthecardtype.

authorizedamount-currencyamountapproved.

authorizedtransaction-transactionthathasbeenapproved.

balancetransfer-whentheoutstandingbalanceofonecreditcard（orseveralcreditcards）ismovedtoanothercreditcardaccount.

balancetransferfee-afeechargedbyacreditcardcompanytotransferabalancefromoneaccounttoanother.thisfeecanbeanywherefrom1%-5%ofthebalanceamount.however,manycreditcardcompaniesdonotchargethisfee.contactthecreditcardissuerfortheirspecificfees.

badcredit-atermusedtodescribeapoorcreditrating.commonpracticesthatcandamageacreditratingincludemakinglatepayments,skippingpayments,exceedingcardlimitsordeclaringbankruptcy.badcreditcanresultinbeingdeniedfuturecredit.

bankaccount-bankaccountnumberforthemerchanttowhichfundswillbedeposited.

bankidentificationnumber（bin）-thefirstsixdigitsofavisaormastercardaccountnumber.thisnumberisusedtoidentifythecard-issuinginstitution.

bankcard-apaymentcardissuedbyabank.

billingcycle-thetimebetweenbillingstatements,usually28-31days.

businesscard（businesscreditcard）-usuallyissuedtocorporateexecutivesorbusinessownersinordertomoreeasilykeepbusinessexpensesseparatefrompersonalcharges.

cardissuer-anyassociationmemberfinancialinstitution,bank,creditunion,orcompanythatissues,orcausestobeissued,plasticcardstocardholders.

cardreader-adevicethatiscapableofreadingtheencodingonplasticcards.

cardholder-anindividualtowhomacardisissued,orwhoisauthorizedtouseanissuedcard.

cashadvance-acashloanfromacreditcardusinganatmorbankwithdrawal.

cashback-cashbackreturnstoyouapercentageofthetotalamountspentonyourcreditcardoveraspecificperiodoftime,usuallymonthlyorquarterly.thisfeatureisparticularlyusefulifyounormallypayyourcreditcardbillsinfulleachmonth,asitmeansyougetaneffectivediscountontheproductsboughtwithyourcreditcard.

chargeback-atransactionreturnedthroughinterchangebyanissuertoanacquirer.atransactionmaybereturnedbecauseofitwasnon-compliantwiththeassociationrulesandregulationsorbecauseitwasdisputedbyacardholder.

chargebackperiod-thenumberofdaysfromthetransactionsprocessingdateorendorsementdate,duringwhichtheissuermayinitiateachargeback.

co-brandedcard-aco-brandedcreditcardissponsoredbyboththeissuingbankandaretailorganization,suchasadepartmentstoreoranairline.cardholdersmaygetbenefits,suchasdiscountsorfreemerchandise,fromthesponsoringmerchant,basedonaccountusageandterms.

commercialcards-ageneralnameforcardstypicallyissuedforbusinessuseandwhichmayincludecorporatecards,purchasecards,businesscards,travelandentertainmentcards.

creditcardnumber-uniquenumberassignedtoacreditcard.

creditlimit-howmuchtotalmoneycanbechargedtoacreditcardaccount,forexample$5,000.

credithistory-apartialprofileofyourfinanciallife,givenwithinaparticulartimeframe（usuallymeasuredinyears）.yourcredithistoryshowstheextenttowhichyoupayyourbillsontimeandhowmuchyoumayoweparticularparties.creditcardissuersusethisinformationtodecidewhethertoprovidecustomerswithcreditcards.

debit-achargetoacustomersbankcardaccount.atransaction,suchasacheck,automatedtellermachine（atm）withdrawalorpoint-of-sale（pos）debitpurchasethatdebitsademanddepositaccount.

expiredcard-acardonwhichtheembossed,encodedorprintedexpirationdatehaspassed.

financecharge-feesandothercostsbilledtoyouonyourstatementforusingthecreditcards（i.e.,balancetransferfees,cashadvancefees,latefees,overlimitfees,etc.）.

fixedrate（orfixedapr）-anannualpercentageratethatdoesnotchangethroughouttheyear,unlikeanintroductoryaprthatchangesafteraspecificperiodoftime.

floorlimit-anamountthatvisaandmastercardhaveestablishedforsingletransactionsatspecifictypesofmerchantoutletsandbranches,abovewhichauthorizationisrequired.

fraudulenttransaction-atransactionunauthorizedbythecardholderofabankcard.suchtransactionsarecategorizedaslost,stolen,notreceived,issuedonafraudulentapplication,counterfeit,fraudulentprocessingoftransactions,accounttakeoverorotherfraudulentconditionsasdefinedbythecardcompanyorthemembercompany.

fraudulentuser-anindividualwhoisnotthecardholderordesigneeandwhousesacard（or,inamail/phoneorderorrecurringtransaction,anaccountnumber）toobtaingoodsorserviceswithoutthecardholdersconsent.

graceperiod-aperiodoftimeduringwhichyouareallowedtopayyourcreditcardbillwithoutbeingchargedafinanceand/orlatefee.thisperiodisusually10-28days.

introductoryrate（orintroapr）-atemporary,lowerannualpercentagerate,afterwhichtheaprisraised.

issuer-anyassociationmemberfinancialinstitution,bank,creditunionorcompanythatissues,orcausestobeissued,plasticcardstocardholders.

magneticstripe-astripeofmagneticinformationthatisaffixedtothebackofaplasticcreditordebitcard.thisstripecontainscustomerandaccountinformationthatisrequiredtocompleteelectronicfinancialtransactions.thephysicalandmagneticcharacteristicsofthisstripearespecifiedintheinternationalorganizationforstandardizationstandards7810,7811and7813.

mail/phoneordermerchant-amerchantthattransactsbusinessbymailorphone.

mail/phoneordertransaction-atransactionwhereacardholderordersgoodsorservicesfromamerchantbytelephone,mailorothermeansoftelecommunication,andwhereneitherthecardnorthecardholderispresentatthemerchantoutlet.

mastercard-mastercardinternationalinc.andallofitssubsidiariesandaffiliates.

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