revolving charge account

简明释义

限额赊销帐户

英英释义

例句

1.Many retailers offer a revolving charge account to help customers manage their purchases over time.

许多零售商提供循环信用账户，以帮助客户分期管理他们的购买。

2.Some consumers prefer a revolving charge account because it allows them to pay off their balance over time.

一些消费者更喜欢循环信用账户，因为它允许他们分期偿还余额。

3.A revolving charge account can help build your credit history if managed responsibly.

如果管理得当，循环信用账户可以帮助建立您的信用历史。

4.It's important to keep track of your spending on a revolving charge account to avoid debt accumulation.

跟踪您在循环信用账户上的消费非常重要，以避免债务累积。

5.Using a revolving charge account can be a convenient way to finance larger expenses without paying interest immediately.

使用循环信用账户可以方便地为较大开支提供资金，而无需立即支付利息。

作文

In today's consumer-driven society, understanding financial terms is crucial for managing personal finances effectively. One such term that often comes up in discussions about credit and spending is the revolving charge account. A revolving charge account is a type of credit account that allows consumers to borrow money up to a certain limit, repay it, and then borrow again. This kind of account is commonly found in retail stores and can also be offered by banks and credit unions. The main feature of a revolving charge account is its flexibility. Unlike traditional loans, where you receive a lump sum and repay it in fixed installments, a revolving charge account enables you to carry a balance from month to month. This means that if you do not pay off the full amount owed by the due date, you can still make purchases up to your credit limit, but you will incur interest on the unpaid balance.One of the advantages of having a revolving charge account is that it can help build your credit history. Regular, responsible use of this type of account can enhance your credit score, which is essential for securing loans and mortgages in the future. However, it is vital to manage the account wisely. If you overspend and fail to make timely payments, you may end up with high-interest debt that can spiral out of control.Another important aspect of a revolving charge account is the interest rate associated with it. Typically, these accounts have higher interest rates than traditional loans. Therefore, it is crucial to understand the terms and conditions before opening such an account. Consumers should always read the fine print and be aware of any fees that may apply, such as annual fees or late payment penalties.Moreover, many people use a revolving charge account for convenience. It allows for quick and easy access to funds when needed, making it a popular choice for everyday purchases. However, this convenience can be misleading, as it may encourage impulsive buying behavior. To avoid falling into debt, it is essential to set a budget and stick to it, ensuring that any purchases made on a revolving charge account are planned and necessary.In conclusion, a revolving charge account can be a valuable financial tool if used responsibly. It provides flexibility and the opportunity to build credit, but it also comes with risks that consumers must be aware of. Understanding how a revolving charge account works and managing it wisely can lead to better financial health and stability. As we navigate through our financial journeys, it is imperative to educate ourselves about such terms and make informed decisions that align with our long-term financial goals.

在当今以消费者为导向的社会中，理解金融术语对于有效管理个人财务至关重要。其中一个常常在关于信用和消费讨论中出现的术语是循环信用账户。循环信用账户是一种信用账户，允许消费者在一定限额内借款、偿还，然后再次借款。这种账户通常在零售商店中找到，也可以由银行和信用社提供。循环信用账户的主要特点是其灵活性。与传统贷款不同，传统贷款会一次性发放一笔款项并按固定分期偿还，而循环信用账户使您能够每月携带余额。这意味着如果您在到期日未能全额偿还欠款，您仍然可以在信用限额内进行购买，但您将对未偿还余额产生利息。拥有循环信用账户的一个好处是，它可以帮助建立您的信用历史。定期、负责任地使用这种类型的账户可以提高您的信用评分，这对于未来获得贷款和抵押贷款至关重要。然而，明智地管理该账户至关重要。如果您超支并未能及时付款，可能会导致高额利息债务失控。循环信用账户的另一个重要方面是与之相关的利率。通常，这些账户的利率高于传统贷款。因此，在开设此类账户之前，了解条款和条件至关重要。消费者应始终阅读小字，并了解可能适用的任何费用，例如年费或逾期付款罚款。此外，许多人使用循环信用账户是为了方便。它使得在需要时快速轻松地获取资金成为可能，这使其成为日常购买的热门选择。然而，这种便利可能具有误导性，因为它可能会鼓励冲动购买行为。为了避免陷入债务，设定预算并坚持执行至关重要，确保在循环信用账户上进行的任何购买都是计划好的且必要的。总之，如果使用得当，循环信用账户可以成为一种有价值的金融工具。它提供灵活性和建立信用的机会，但也伴随着消费者必须意识到的风险。理解循环信用账户的运作方式并明智地管理它，可以带来更好的财务健康和稳定。在我们财务旅程中，教育自己关于这些术语并做出与长期财务目标相一致的明智决策是至关重要的。