信用卡常用术语Credit card term.docx

1、信用卡常用术语Credit card term 信用卡常用术语Credit card term信用卡常用术语Credit card term信用卡常用术语Credit card term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

2、支）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 endorse 背书 endorser 背书人

3、 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 crossed cheque 横线支票 blank cheque 空白支票 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 o

4、utstanding cheque 未付支票 canceled cheque 已付支票 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money order 汇款单，汇票letter of credit n.商(银行发行的)信用证charge for 想.收费overdraw v.透支overdraft n.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liability n.责任, 义务, 倾向, 债务, 负债, 与

5、assets相对asset 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securities 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 account number - a unique number assigned by a financial institution to a customer. on a credit car

6、d, this number is embossed and encoded on the plastic card.additional cardholder - when you have a credit card, it is often possible to add an additional card to the account for use by someone else. the main cardholder holds responsibility for ensuring payments on the additional card are made. purch

7、ases are shown on the credit card statement, which is sent 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.a

8、nnual fee- an annual (yearly) fee associated with having a credit card. this is a separate fee from interest rate on purchases.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 pres

9、ent.approval response - an authorization response that is received when a transaction is approved.atm - automated teller machines or cash points allow you to access cash with a credit card or other card associated with your bank account. you need to enter your personal identification number (pin) in

10、to 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 purchase limit above which they must seek authorization from the card is

11、suer before they can complete the sale. such authorization can be done by telephone or electronically at the cash till. authorization is used to control credit card fraud. the cardholder s available credit limit is reduced by the authorized amount. authorization amount - currency amount approved.aut

12、horization 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 reserve an amount against a credit c

13、ard s available limit for intended purchases; the actual settlement 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

14、card (or several 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 fe

15、e. contact the credit card issuer for their specific fees.bad credit - a term used 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

16、future credit.bank account - bank account number for the merchant to which funds will be deposited.bank identification number (bin) - the first six digits of a visa or mastercard account number. this number is used to identify the card-issuing institution.bankcard - a payment card issued by a bank.b

17、illing cycle - the time between billing statements, usually 28-31 days. business card (business credit card) - usually issued to corporate executives or business owners in order to more easily keep business expenses separate from personal charges.card issuer - any association member financial instit

18、ution, bank, credit union, or company that issues, or causes to be issued, plastic cards to cardholders. card reader - a device that is capable of reading the encoding on plastic cards. cardholder - an individual to whom a card is issued, or who is authorized to use an issued card.cash advance - a c

19、ash loan from a credit card using an atm or bank withdrawal. cash back - cash back returns to you a percentage of the total amount spent on your credit card over a specific period of time, usually monthly or quarterly. this feature is particularly useful if you normally pay your credit card bills in

20、 full each month, as it means you get an effective discount on the products bought with your credit card.chargeback - a transaction returned through interchange by an issuer to an acquirer. a transaction may be returned because of it was non-compliant with the association rules and regulations or be

21、cause it was disputed by a cardholder. chargeback period - the number of days from the transaction s processing date or endorsement date, during which the issuer may initiate a chargeback. co-branded card - a co-branded credit card is sponsored by both the issuing bank and a retail organization, suc

22、h as a department store or an airline. cardholders may get benefits, such as discounts or free merchandise, from the sponsoring merchant, based on account usage and mercial cards - a general name for cards typically issued for business use and which may include corporate cards, purchase cards, busin

23、ess cards, travel and entertainment cards.credit card number - unique number assigned to a credit card.credit limit - how much total money can be charged to a credit card account, for example $5,000. credit history - a partial profile of your financial life, given within a particular timeframe (usua

24、lly measured in years). your credit history shows the extent to which you pay your bills on time and how much you may owe particular parties. credit card issuers use this information to decide whether to provide customers with credit cards.debit - a charge to a customer s bankcard account. a transac

25、tion, such as a check, automated teller machine (atm) withdrawal or point-of-sale (pos) debit purchase that debits a demand deposit account.expired card - a card on which the embossed, encoded or printed expiration date has passed. finance charge - fees and other costs billed to you on your statemen

26、t for using the credit cards (i.e., balance transfer fees, cash advance fees, late fees, overlimit fees, etc.).fixed rate (or fixed apr) -an annual percentage rate that does not change throughout the year, unlike an introductory apr that changes after a specific period of time.floor limit - an amoun

27、t that visa and mastercard have established for single transactions at specific types of merchant outlets and branches, above which authorization is required. fraudulent transaction - a transaction unauthorized by the cardholder of a bankcard. such transactions are categorized as lost, stolen, not r

28、eceived, issued on a fraudulent application, counterfeit, fraudulent processing of transactions, account takeover or other fraudulent conditions as defined by the card company or the member company. fraudulent user - an individual who is not the cardholder or designee and who uses a card (or, in a m

29、ail/phone order or recurring transaction, an account number) to obtain goods or services without the cardholder s consent.grace period - a period of time during which you are allowed to pay your credit card bill without being charged a finance and/or late fee. this period is usually 10-28 days.intro

30、ductory rate (or intro apr) - a temporary, lower annual percentage rate, after which the apr is raised.issuer - any association member financial institution, bank, credit union or company that issues, or causes to be issued, plastic cards to cardholders.magnetic stripe - a stripe of magnetic informa

31、tion that is affixed to the back of a plastic credit or debit card. this stripe contains customer and account information that is required to complete electronic financial transactions. the physical and magnetic characteristics of this stripe are specified in the international organization for stand

32、ardization standards 7810, 7811 and 7813.mail/phone order merchant - a merchant that transacts business by mail or phone. mail/phone order transaction - a transaction where a cardholder orders goods or services from a merchant by telephone, mail or other means of telecommunication, and where neither the card nor the cardholder is present at the merchant outlet. mastercard - mastercard international inc. and all of its subsidiaries and affiliates. master