中标通知书英文信用卡常用术语

2021年1月22日发(作者：持续高温)
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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
A
TM
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


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


outstanding cheque
未付支票


canceled cheque
已付支票


forged cheque
伪支票


Bandar s note
庄票，银票





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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
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
card, 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.
Purchases
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.


Annual
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 present.


Approval Response - An authorization response that is received when a transaction is approved.


A
TM - Automated Teller Machines or cash points
allow you to access cash with a credit card or
other
card
associated
with
your
bank
account.
Y
ou
need
to
enter
your
personal
identification
number (PIN) into the machine to access cash.


Authentication - The process of assuring that data has come from its claimed source, or a process

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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 issuer 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.


Authorization
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
card’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 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 fee. 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 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.


Billing 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.

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Card
Issuer -
Any
association
member financial
institution,
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
cash loan from a credit card using an A
TM 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
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
because it was disputed by a cardholder.


Chargeback Period
- The numbe
r 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,
such
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 terms.


Commercial
Cards
-
A

general
name for cards
typically
issued for
business
use
and which
may
include Corporate Cards, Purchase Cards, Business 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 (usually
measured in years). Y
our 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

transaction, such
as
a check,
automated
teller
machine
(A
TM)
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 statement for using the credit cards