dormant account

简明释义

消极帐户

英英释义

例句

1.He forgot about his old investment, which turned into a dormant account over time.

他忘记了他的旧投资，随着时间推移变成了一个休眠账户。

2.You can reactivate a dormant account by making a transaction.

通过进行交易，你可以重新激活一个休眠账户。

3.To avoid fees, it's important to regularly check your dormant account.

为了避免费用，定期检查你的休眠账户是很重要的。

4.After two years of inactivity, the bank classified her savings as a dormant account.

经过两年的不活跃，这家银行将她的储蓄账户归类为休眠账户。

5.Banks often send notifications when an account becomes a dormant account.

当账户变为休眠账户时，银行通常会发送通知。

作文

In today's digital age, managing finances has become more complex than ever. With the rise of online banking and various financial services, individuals often open multiple accounts to meet their diverse needs. However, among these accounts, some may fall into a state of inactivity, leading to what is commonly referred to as a dormant account. A dormant account (休眠账户) is essentially an account that has not had any activity for a specified period, usually ranging from six months to several years, depending on the bank's policies. Understanding the implications of having a dormant account is crucial for anyone looking to manage their finances effectively.One of the primary reasons people end up with a dormant account is simply forgetfulness. Life can get busy, and it is easy to lose track of accounts that are not actively used. For instance, someone might open a savings account to save for a vacation but never use it after the trip is over. This lack of activity can lead the bank to classify the account as dormant, which can have several consequences.Banks typically monitor account activity closely, and once an account is deemed dormant, it may incur fees or restrictions. For example, some banks charge maintenance fees on dormant accounts, which can erode the balance over time. Furthermore, if an account remains inactive for an extended period, the bank may eventually close it altogether, which could result in the loss of funds if the account holder is unaware of the closure.Another important aspect to consider is the impact of dormant accounts on personal credit scores. While a dormant account itself does not directly affect credit scores, having multiple inactive accounts can create a cluttered financial profile. Lenders prefer to see active management of finances, and a history of unused accounts might raise red flags during credit assessments. Therefore, it is advisable to regularly review all financial accounts to ensure they are either actively used or closed if no longer needed.Moreover, there are also security concerns associated with dormant accounts. An inactive account may become a target for fraudsters who seek to exploit vulnerabilities in banking systems. If an account holder does not monitor their dormant account, they may not notice unauthorized transactions until significant damage has been done. Regularly checking all accounts, including those that are not frequently used, can help mitigate this risk.To avoid the pitfalls of maintaining a dormant account, individuals should establish a routine for reviewing their financial accounts. Setting reminders to check on accounts every few months can help keep track of their status. Additionally, transferring small amounts of money into dormant accounts periodically can reactivate them and prevent them from being classified as inactive.In conclusion, while having a dormant account (休眠账户) might seem harmless, it can lead to unnecessary fees, security risks, and complications in managing one's financial health. By staying vigilant and proactive in managing all financial accounts, individuals can avoid the negative consequences associated with inactivity. It is essential to treat every account with care, ensuring they serve their intended purpose and contribute positively to overall financial well-being.

在当今数字时代，管理财务变得比以往任何时候都更加复杂。随着在线银行和各种金融服务的兴起，个人通常会开设多个账户以满足他们多样化的需求。然而，在这些账户中，有些可能会陷入不活动状态，从而导致通常被称为dormant account（休眠账户）。dormant account本质上是指在规定时间内没有任何活动的账户，这段时间通常从六个月到几年不等，具体取决于银行的政策。理解拥有dormant account的含义对于任何希望有效管理财务的人来说都是至关重要的。人们最终拥有dormant account的主要原因之一就是简单的遗忘。生活可能会变得繁忙，容易忘记那些不常用的账户。例如，有人可能会开设一个储蓄账户来为假期存钱，但在旅行结束后再也没有使用过。这种缺乏活动可能导致银行将该账户分类为dormant，这可能会产生几种后果。银行通常会密切监控账户活动，一旦账户被认为是dormant，可能会产生费用或限制。例如，一些银行对dormant accounts收取维护费用，这可能会随着时间的推移侵蚀余额。此外，如果一个账户长时间处于不活动状态，银行可能最终会关闭它，这可能会导致账户持有人在不知情的情况下失去资金。另一个需要考虑的重要方面是dormant accounts对个人信用评分的影响。虽然dormant account本身不会直接影响信用评分，但拥有多个不活跃账户可能会造成财务状况的杂乱。贷方更喜欢看到积极管理的财务，而一系列未使用的账户可能会在信用评估时引起警示。因此，定期审查所有财务账户以确保它们被积极使用或在不再需要时关闭是明智之举。此外，与dormant accounts相关的安全问题也不容忽视。一个不活跃的账户可能成为欺诈者的目标，他们试图利用银行系统中的漏洞。如果账户持有人不监控他们的dormant account，他们可能直到损失已相当严重才注意到未经授权的交易。定期检查所有账户，包括那些不常用的账户，可以帮助减轻这一风险。为了避免维持dormant account的陷阱，个人应建立审查财务账户的常规。设置每几个月检查一次账户的提醒可以帮助跟踪其状态。此外，定期向dormant accounts转账少量资金可以重新激活它们，防止其被归类为不活动。总之，虽然拥有dormant account（休眠账户）看似无害，但它可能导致不必要的费用、安全风险以及管理财务健康的复杂性。通过保持警惕并主动管理所有财务账户，个人可以避免与不活动相关的负面后果。对待每个账户都要小心，确保它们能发挥预期的作用，并对整体财务健康产生积极的贡献。