rollover credit

简明释义

展期信贷，展期信用

英英释义

例句

1.Using your rollover credit wisely can help you manage your finances better.

明智地使用你的滚存信用可以帮助你更好地管理财务。

2.The bank offers a special promotion for customers who utilize their rollover credit effectively.

银行为有效利用其滚存信用的客户提供特别促销。

3.You can check your statement to see how much rollover credit you have available for next month.

你可以查看你的账单，以了解下个月可用的滚存信用有多少。

4.If you don't use your entire credit limit this month, the remaining amount will become your rollover credit.

如果你这个月没有使用完全部的信用额度，剩余的金额将成为你的滚存信用。

5.Many credit cards allow you to carry over your balance as rollover credit if you miss a payment.

许多信用卡允许你在错过付款时将余额作为滚存信用进行结转。

作文

In the world of finance, understanding various terms is crucial for effective money management. One such term that often comes up is rollover credit. This concept primarily refers to the practice of extending or renewing a line of credit, allowing borrowers to carry over their outstanding balance into a new term without having to pay it off immediately. Essentially, it provides flexibility and convenience for those who may not have the means to settle their debts in full at the end of a credit period.The idea of rollover credit can be particularly beneficial for individuals who rely on credit cards or personal loans. For instance, if someone has a credit card with an outstanding balance, rather than paying off the entire amount, they can choose to rollover that balance into the next billing cycle. This allows them to manage their cash flow more effectively, especially during months when expenses are higher than usual.However, while rollover credit offers advantages, it is essential to approach it with caution. Many financial institutions charge interest on the rolled-over amount, which can accumulate quickly, leading to a situation where the borrower ends up in a cycle of debt. Therefore, it is vital for consumers to read the fine print and understand the terms associated with their credit agreements.Moreover, rollover credit is not limited to individual borrowers; businesses also utilize this concept. Companies often have lines of credit that they can rollover, providing them with the necessary liquidity to manage operational costs, invest in growth opportunities, or navigate through financial challenges. This flexibility can be a significant advantage in maintaining business stability, as it allows companies to respond to unexpected expenses without disrupting their cash flow.In addition to its practical applications, understanding rollover credit is also important from a financial planning perspective. Individuals and businesses alike should incorporate this concept into their budgeting strategies. By anticipating the possibility of rolling over credit, they can plan their finances more effectively, ensuring that they do not overextend themselves or fall into debt traps.Furthermore, financial literacy plays a crucial role in making informed decisions about rollover credit. Consumers should educate themselves about interest rates, repayment terms, and the potential risks involved. Many resources are available online, including financial blogs, courses, and workshops that can help individuals and businesses gain a better understanding of how credit works and the implications of rolling over balances.In conclusion, rollover credit is a valuable tool in the financial landscape, offering flexibility and convenience for managing debt. However, it is crucial to approach it with caution and awareness of the potential pitfalls. By educating oneself and incorporating this concept into sound financial practices, individuals and businesses can leverage rollover credit to enhance their financial stability and achieve their goals. Ultimately, responsible use of credit can lead to greater financial freedom and success.

在金融世界中，理解各种术语对于有效的资金管理至关重要。其中一个经常出现的术语是rollover credit。这个概念主要指的是延长或更新信用额度的做法，允许借款人将未偿还的余额转入新期限，而无需立即偿还。基本上，它为那些可能没有能力在信用期结束时全额偿还债务的人提供了灵活性和便利性。rollover credit的想法对于依赖信用卡或个人贷款的个人尤其有利。例如，如果某人有一张信用卡，未偿还余额较高，他们可以选择将该余额转入下一个账单周期，而不是偿还全部金额。这使他们能够更有效地管理现金流，特别是在支出高于正常水平的月份。然而，虽然rollover credit提供了优势，但必须谨慎对待。许多金融机构对转入的金额收取利息，这可能迅速累积，导致借款人陷入债务循环。因此，消费者必须仔细阅读细则，了解与其信用协议相关的条款。此外，rollover credit不仅限于个人借款人；企业也会利用这一概念。公司通常拥有可以滚动的信用额度，为它们提供必要的流动性，以管理运营成本、投资增长机会或应对财务挑战。这种灵活性在保持企业稳定方面可能是一个显著优势，因为它允许公司在面对意外支出时不打乱现金流。除了实际应用外，从财务规划的角度理解rollover credit也很重要。个人和企业都应该将这一概念纳入预算策略中。通过预见到可能会转入信用的情况，他们可以更有效地规划财务，确保自己不会过度扩张或陷入债务陷阱。此外，金融素养在做出关于rollover credit的明智决策中发挥着至关重要的作用。消费者应该教育自己关于利率、还款条款和潜在风险的信息。许多在线资源可供使用，包括金融博客、课程和研讨会，可以帮助个人和企业更好地理解信贷如何运作以及转入余额的影响。总之，rollover credit是金融领域中的一个有价值工具，为管理债务提供了灵活性和便利性。然而，必须谨慎对待，并意识到潜在的陷阱。通过自我教育并将这一概念纳入合理的财务实践，个人和企业可以利用rollover credit来增强财务稳定性，实现目标。最终，负责任地使用信用可以带来更大的财务自由和成功。