英文信用卡（信用卡的好处英语）

信用卡英文名字怎么写
credit card
一篇关于信用卡的英文文章
Credit Card Cash Advance Pitfalls
Credit card cash advances can provide consumers with convenient and instant access to "cold cash" in times of financial need, but cash advances should be avoided if at all possible. Informed consumers realize that cash advances are typically accompanied by fees and exorbitant interest rates (there is also no grace periodfor cash advances). Moreover, cash advances can be a major stumbling block for consumers seeking debt relief. We hope the following tips help consumers avoid the pitfalls associated with cash advances.

* Fees for cash advances vary, but fees can be very costly. Fees are computed using two calculation methods. Many card issuers calculate fees on a percentage basis, which typically ranges from 1% to 4%. Other issuers charge "flat fees" for advances. "Flat fees" are not based on the amount of the advance and, therefore, are always the same.

An increasing trend is to combine both calculation methods. Combining calculation methods results in higher cash advance fees. An example of this would be an issuer that charges x% for an advance, but charges a minimum of $10 regardless of the amount of the advance. Another example would be an issuer that charges x% for an advance or $20, whichever is greater. Read the terms of your card agreement carefully. Fee calculation can get tricky.

A few issuers do not charge any fees at all. This is very rare, though.

Finally, if you must get an advance, avoid using ATM machines. ATMs charge an additional fee for advances. This fee is charged by the financial institution that owns the ATM.

* Often the greatest potential pitfall for consumers who decide to get a cash advance involves finance or interest charges. The interest rate for cash advances is often several points higher than the normal purchase interest rate (the rate that is associated with everyday card purchases). Cash advance rates normally range from 20% to 25%. In contrast, the average purchase rate for a standard credit card ranges from 15.88% to 17.30% according to. However, a few issuers charge the same rate for both purchases and cash advances "Low Rate Report" for more info).

Other finance charge pitfalls involve grace periods and the payment method that a card issuer utilizes. Cash advances begin accruing interest immediately and, therefore, are not subject to a grace period. Thus, even if you pay your card balance in full when your bill arrives, you will still be accessed a finance charge for any advances.

A similar pitfall involves the manner in which payments are applied to your account. Most issuers apply payments to card purchases before they apply payments to cash advances (i.e. payments are first applied to purchases). If you carry a balance on your card, this can result in your a dramatic increase in your finance charges and overall interest rate.

* Please be aware that any "credit card checks" that you receive in the mail are usually treated as cash advances Card issuers often tout such checks as an easy way to pay off the bill of your choice or to acquire some extra spending money. While using a check may be convenient, it can be extremely costly. Many balance transfers are also treated as cash advances.

* Dependency on cash advances can be an outward sign of serious debt problems. Consumers that regularly rely on advances to "make ends meet" urgently need debt counseling. Cash advances are so tempting that some cardholders fall victim to the "cash advance trap" and find themselves caught in a vicious cycle. If this statement applies to you or someone you know, please consult CardRating.com's "Get Debt Relief" section for a list of helpful resources
信用卡的英语单词是什么？
credit card
信用卡的英文怎么写?
credit card
英文信用卡使用翻译
您好：是creditcard
英文翻译（信用卡方面）
然而,我们将很快发现,与其每月返还最低还款额或略高于最低还款额的钱，不如别开卡。
信用卡的好处英语
Credit cards are the no-fuss cash
alternative. They're also a helpful tool when it comes to emergencies.
But the advantages of credit cards go far beyond mere convenience.

Getting the most from your credit card

Use it to stay on top of things.

Your credit card can help you keep track of your
expenses. Save your receipts and check them against your monthly
statement. Notify your credit card company right away if you spot any
errors.
If your credit card is missing or if you notice
suspicious charges, call the number on your statement or the back of
your card. In most cases, you won’t be held responsible for any charges
if your card or account number has been stolen.
If you have online access to your account and your credit
card issuer offers optional security alerts, sign up to be
automatically notified of any unusual activity on your account.
Check with your credit card issuer about damage
protection. Some credit cards provide protection if you buy merchandise
that turns out to be defective.
Many credit card companies offer payment due date reminders. Sign up for these reminders to avoid being charged a late fee.

Use it to build your credit history

One of the main advantages of having a credit card is that
it can have a positive effect on your credit score when you use it
wisely. By using your credit card regularly and making your monthly
payments on time, you can build a solid credit history that says to
potential lenders "You can trust me."

Use it to save money

When you consistently pay your bill on time, you can
improve your credit score. With a higher credit score, you may qualify
for low-interest rates on mortgages, cars and other big-ticket items
down the road, which could save you money.

Use it to get rewards

Depending on your card, you can earn a variety of rewards, including:

Cash back on everyday purchases, including gas and groceries
Airline miles that can be redeemed for trips or to purchase trips at a discount

Use it for peace of mind when traveling

Check to see if your card offers any of these credit card advantages for travelers:

Trip cancellation and delay insurance
Lost luggage insurance
Travel and emergency assistance

Follow these tips and you can find just the right credit card