outstanding balance

简明释义

未结余额，未清余额

英英释义

例句

1.If you don’t pay your outstanding balance, it could negatively impact your credit score.

如果您不支付您的未清余额，这可能会对您的信用评分产生负面影响。

2.The bank sent me a reminder about my outstanding balance on the credit card.

银行给我发了一封关于信用卡未清余额的提醒。

3.You can check your outstanding balance online through the banking app.

您可以通过银行应用在线查看您的未清余额。

4.I checked my account statement and noticed that my outstanding balance is higher than I expected.

我查看了我的账户对账单，发现我的未清余额比我预期的要高。

5.To avoid late fees, make sure to pay off your outstanding balance before the due date.

为了避免滞纳金，请确保在到期日前支付您的未清余额。

作文

In today's world, managing finances is a crucial skill that everyone should possess. One important aspect of financial management is understanding terms related to debts and credits. Among these terms, the phrase outstanding balance holds significant importance. The outstanding balance refers to the amount of money that is still owed on a loan or credit account. This can include credit card debt, personal loans, or any other form of borrowed money. It is essential for individuals to keep track of their outstanding balance because it directly affects their financial health and credit score.When someone borrows money, whether through a credit card or a bank loan, they are expected to repay that amount over time. Each payment made reduces the outstanding balance, but until the debt is fully paid off, the outstanding balance remains a critical figure to monitor. For instance, if a person has a credit card with an outstanding balance of $1,000 and they make a payment of $200, their new outstanding balance will be $800. Understanding how payments affect this balance can help individuals manage their finances more effectively.Moreover, the outstanding balance can also impact interest rates. Many financial institutions calculate interest on loans based on the outstanding balance. Therefore, the lower the outstanding balance, the less interest one may have to pay in the long run. This highlights the importance of making timely payments and reducing the outstanding balance as quickly as possible.Another aspect to consider is the relationship between outstanding balance and credit scores. Credit scores are numerical representations of an individual's creditworthiness, and one of the factors that influence these scores is the ratio of the outstanding balance to the total credit limit available. If a person consistently maintains a high outstanding balance relative to their credit limit, it may signal to lenders that they are over-leveraged, which can negatively affect their credit score. Conversely, keeping the outstanding balance low can demonstrate responsible credit usage and positively impact one's credit score.In conclusion, the term outstanding balance is not just a number; it represents a person's financial obligations and plays a crucial role in their overall financial health. By understanding what the outstanding balance is and how it functions within the broader context of personal finance, individuals can make informed decisions regarding their spending, saving, and borrowing habits. Whether one is trying to improve their credit score or simply manage their monthly budget, keeping a close eye on the outstanding balance is essential. Therefore, it is vital for everyone to take the time to educate themselves about financial terms like outstanding balance and develop strategies to manage their debts effectively.

在当今世界，管理财务是一项每个人都应该具备的关键技能。财务管理的一个重要方面是理解与债务和信用相关的术语。在这些术语中，短语outstanding balance具有重要意义。outstanding balance指的是仍然欠款的金额，这可以包括信用卡债务、个人贷款或任何其他形式的借款。个人必须跟踪他们的outstanding balance，因为它直接影响他们的财务健康和信用评分。当某人借款时，无论是通过信用卡还是银行贷款，他们都需要在一段时间内偿还这笔款项。每次付款都会减少outstanding balance，但在债务完全偿还之前，outstanding balance始终是一个关键数字。例如，如果一个人的信用卡outstanding balance为1000美元，而他们支付了200美元，那么他们的新outstanding balance将为800美元。理解付款如何影响这一余额，可以帮助个人更有效地管理财务。此外，outstanding balance也可能影响利率。许多金融机构根据贷款的outstanding balance计算利息。因此，outstanding balance越低，长期内需要支付的利息就越少。这突显了及时付款和尽快减少outstanding balance的重要性。另一个需要考虑的方面是outstanding balance与信用评分之间的关系。信用评分是个人信用worthiness的数字表现，其中一个影响这些评分的因素是outstanding balance与可用总信用额度的比率。如果一个人持续保持高的outstanding balance相对于他们的信用额度，这可能会向贷方发出他们过度负债的信号，从而对他们的信用评分产生负面影响。相反，保持较低的outstanding balance可以显示出负责任的信用使用，并对个人的信用评分产生积极影响。总之，术语outstanding balance不仅仅是一个数字；它代表了一个人的财务义务，并在其整体财务健康中发挥着至关重要的作用。通过理解outstanding balance是什么以及它在个人财务更广泛背景中的作用，个人可以就其消费、储蓄和借款习惯做出明智的决定。无论一个人是试图提高他们的信用评分还是简单地管理他们的月度预算，密切关注outstanding balance都是必不可少的。因此，所有人都应花时间了解财务术语，如outstanding balance并制定有效管理债务的策略。