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信用卡及其使用
Introduction to Credit Card and Usage
信用卡是銀行為使客戶(持卡人)能以賒賬的方式購(gòu)買(mǎi)商品、獲得服務(wù)和提取貨 幣(在條例允許的范圍內(nèi))而改造的一種工具
Credit Cards are instruments issued by banks to customers (card holders) to enable them to acquire goods, services or currency (where regulations will allow) on credit.
銀行在為客戶簽發(fā)塑料信用卡時(shí)，將按照客戶的資信情況規(guī)定一個(gè)幾百美元至幾千美元的信用額度。客戶可憑此卡到已與發(fā)卡銀行簽訂接受信用卡協(xié)定的商店、賓館或餐飲購(gòu)物或獲取服務(wù)。使用信用卡時(shí)，提供商品或服務(wù)方先要檢查卡的有效性，核對(duì)無(wú)誤后，開(kāi)出簽購(gòu)單據(jù)，并在單據(jù)右下方填寫(xiě)日期、購(gòu)物品種或服務(wù)的內(nèi)容和賬單的金額,再把它和信用卡一起放在發(fā)卡銀行提供的壓卡機(jī)里，印上客戶的賬號(hào)、姓名及信用卡終止日期及商家的賬號(hào)和名稱(chēng),最后由客戶在單據(jù)上簽字，以便與卡上的簽樣核對(duì)。有時(shí)，經(jīng)過(guò)發(fā)卡行同意，每次購(gòu)物的金額可以超過(guò)卡上限額。
The customer will be provided with a plastic card carrying a line of credit that，ranging from several hundred to several thousand dollars，varies according to the creditability of the customer. The customer can gain goods or services by showing his card to a store, a hotel or a restaurant that has pre-arrangement with the issuing bank to accept credit cards. Having examined the validity of the card, the supplier will give a sales slip, in which the date of each sale, description of the merchandise or services supplied and the credit amount will be filled by hand-written letters at the lower right comer. The following information will then be processed on the slip together with the credit through an imprinter supplied by
a) the issuing bank；
b) the customer’s account number and name；
c) expiration date of the card；
d) the merchant's account number and name
Finally, the customer has to sign on the sales slip, to be compared with that on the card. In some cases, the card issuing bank may approve the exceeding of each sale amount above the card ceiling limit.
銷(xiāo)售或服務(wù)活動(dòng)結(jié)束之后，商家會(huì)把信用卡和簽購(gòu)單據(jù)的第一聯(lián)退還客戶,第二聯(lián)自己存檔，第三聯(lián)在三個(gè)營(yíng)業(yè)日之內(nèi)寄送發(fā)卡行，要求償付賒銷(xiāo)款項(xiàng)。與此同時(shí)，每個(gè)月客戶會(huì)收到一份銀行來(lái)的催款賬單。一般情況下，客戶償付該賬單可有25天的寬限期。
After the sale or service, the merchant will return the card and a copy of sales slip to the customer, keep another copy for file and send the third to the issuing bank for reimbursement within three business days after the transaction date. On the other side, the customer will receive a bill monthly from the bank for payment of his purchase. Usually, he is allowed a grace period of 25 days.
所有的發(fā)卡機(jī)構(gòu)都要收取利息，按月結(jié)算，年息可高達(dá)25%。但是，只要你明智 地使用信用卡，就可以賒欠7個(gè)星期而不必支付利息。因此，只要你明智地使用信用卡，就不會(huì)支付一分錢(qián)利息。至少信用卡能幫助你暫渡經(jīng)濟(jì)難關(guān)。
All the credit organizations charge interest on a monthly basis which may work out as high as 25 percent a year, yet judicious purchasing using a card can mean that you obtain up to seven weeks interest free credit. If used wisely, a credit card can cost nothing, or at least help to tide you over a period of financial difficulty.
發(fā)布：南京翻譯公司
