closed account

简明释义

已结平帐户，已结帐户

英英释义

例句

1.I forgot to cancel my subscription before the closed account was finalized.

在我的关闭的账户被最终处理之前，我忘记取消我的订阅。

2.Make sure to transfer your funds before you close your closed account.

在你关闭你的关闭的账户之前，确保转移你的资金。

3.I received a notice from the bank about my closed account.

我收到了银行关于我的关闭的账户的通知。

4.The credit report shows that I have a closed account from last year.

信用报告显示我有一个去年的关闭的账户。

5.You cannot access any funds from a closed account.

你无法访问任何来自关闭的账户的资金。

作文

In today's digital age, managing finances has become more complex than ever. One important aspect of financial management is understanding the concept of a closed account. A closed account refers to a bank account that has been officially terminated by the account holder or the bank. This can happen for various reasons, such as the account holder choosing to switch banks, the account becoming inactive, or even due to issues like fraud or mismanagement. Understanding what a closed account entails is crucial for anyone who wishes to maintain a healthy financial profile.When an account is closed, it is essential to know that the financial institution will typically send a final statement to the account holder. This statement outlines any remaining balance, fees incurred, and transactions that took place before the closure. Knowing how to handle this information can impact one’s credit score and future banking relationships.For instance, if an individual has a closed account that shows a negative balance or outstanding fees, this can reflect poorly on their credit report. Lenders often review credit reports when assessing an applicant's reliability, and any negative marks can lead to higher interest rates or even denial of loans. Therefore, it is vital to address any issues related to a closed account promptly.Moreover, it is important to understand the implications of closing an account. While it might seem like a straightforward process, it can have long-lasting effects. For example, if someone closes their primary checking account without transferring their direct deposits or automatic payments, they may face inconveniences such as missed payments or delayed funds. To avoid such pitfalls, it is advisable to create a plan before closing an account. This includes notifying employers about changes in banking details and ensuring all pending transactions are cleared.Another factor to consider is the potential for re-opening a closed account. Some banks allow customers to reactivate their accounts, which can be beneficial if the closure was a temporary decision. However, this process may come with its own set of challenges, including fees or changes in account terms. Thus, understanding the specific policies of one’s bank regarding closed accounts is essential.Additionally, keeping track of closed accounts is important for personal record-keeping. Individuals should maintain documentation regarding the closure, including any correspondence with the bank and final statements. This documentation can serve as evidence in case of discrepancies in the future.In conclusion, while the term closed account might seem simple at first glance, it encompasses various implications that can affect an individual’s financial health. From understanding how it impacts credit scores to planning for the closure process, being well-informed about closed accounts is critical. By taking proactive measures and staying organized, individuals can navigate the complexities of their financial lives more effectively.

在当今数字时代，管理财务变得比以往任何时候都更复杂。金融管理的一个重要方面是理解“closed account”这一概念。“closed account”指的是一个已被账户持有人或银行正式终止的银行账户。这可能由于多种原因发生，例如账户持有人选择更换银行、账户变得不活跃，甚至由于欺诈或管理不善等问题。理解“closed account”的含义对任何希望保持健康财务状况的人来说都是至关重要的。当账户关闭时，金融机构通常会向账户持有人发送最终报表。该报表概述了任何剩余余额、所产生的费用以及在关闭之前发生的交易。知道如何处理这些信息可以影响个人的信用评分和未来的银行关系。例如，如果某人有一个“closed account”，显示出负余额或未支付的费用，这可能会在他们的信用报告上留下负面记录。贷方在评估申请人的可靠性时通常会查看信用报告，任何负面标记都可能导致更高的利率甚至贷款被拒。因此，及时解决与“closed account”相关的任何问题至关重要。此外，了解关闭账户的影响也很重要。虽然这似乎是一个简单的过程，但它可能会产生持久的影响。例如，如果某人关闭了他们的主要支票账户而没有转移他们的直接存款或自动付款，他们可能会面临诸如错过付款或延迟资金等不便。为了避免这些陷阱，建议在关闭账户之前制定计划。这包括通知雇主有关银行详细信息的更改，并确保所有待处理交易都已清除。另一个需要考虑的因素是重新开启“closed account”的可能性。一些银行允许客户重新激活他们的账户，这在关闭是暂时决定的情况下可能是有益的。然而，这一过程可能会带来自己的一系列挑战，包括费用或账户条款的变化。因此，了解自己银行关于“closed account”的具体政策至关重要。此外，跟踪“closed accounts”对于个人记录保存也很重要。个人应保留有关关闭的文档，包括与银行的任何通讯和最终报表。这些文档可以作为未来出现差异时的证据。总之，尽管“closed account”这个术语乍一看似乎简单，但它涵盖了各种可能影响个人财务健康的含义。从理解它如何影响信用评分到为关闭过程制定计划，了解“closed accounts”的相关知识至关重要。通过采取主动措施并保持组织性，个人可以更有效地应对财务生活的复杂性。