balance transferred

简明释义

转帐余额

英英释义

例句

1.Make sure to check if there are any fees associated with the balance transferred offer.

确保检查与余额转移优惠相关的任何费用。

2.I successfully completed the process of balance transferred from my old credit card to a new one.

我成功完成了将我的旧信用卡的余额转移到新卡的过程。

3.I took advantage of a promotional rate for the balance transferred to save on interest.

我利用了促销利率进行余额转移以节省利息。

4.After the balance transferred, I noticed a significant reduction in my interest rate.

在余额转移后，我注意到我的利率显著降低。

5.The bank confirmed that my balance transferred would take up to 5 business days.

银行确认我的余额转移需要最多5个工作日。

作文

In today's financial landscape, many individuals are seeking ways to manage their debt more effectively. One common strategy that has gained popularity is the concept of balance transferred. This term refers to the process of moving existing debt from one credit card or loan to another, often with the aim of securing a lower interest rate or more favorable repayment terms. Understanding how balance transferred works can empower consumers to take control of their financial situation and potentially save money in the long run.When someone decides to utilize a balance transferred, they typically look for credit cards that offer promotional rates for new customers. These offers may include low or even 0% interest rates for an introductory period. By transferring their existing balances to such a card, individuals can significantly reduce the amount of interest they pay on their debt. For example, if someone has a credit card with a high interest rate and transfers that balance to a card with a lower rate, they can allocate more of their monthly payment towards the principal amount rather than just paying off interest.However, it is important to understand that while balance transferred can be beneficial, it is not without risks. Many credit cards charge a fee for transferring balances, which can range from 3% to 5% of the amount being transferred. Therefore, consumers must carefully calculate whether the potential savings from a lower interest rate outweigh the costs associated with the transfer. Additionally, if the individual fails to pay off the transferred balance within the promotional period, they may find themselves facing a much higher interest rate than before.Another consideration when dealing with balance transferred is the impact on one’s credit score. When a balance is transferred, it can affect the credit utilization ratio, which is a key factor in determining credit scores. Ideally, consumers should aim to keep their credit utilization below 30%. If transferring a balance causes this ratio to exceed that threshold, it could negatively impact their score. Thus, it is crucial for individuals to monitor their credit utilization and ensure they are making timely payments to maintain a healthy credit score.In conclusion, the practice of balance transferred can serve as a valuable tool for those looking to manage their debt more effectively. By taking advantage of lower interest rates and favorable terms, consumers can potentially save money and pay off their debt faster. However, it is essential to approach this strategy with caution, considering any fees involved and the potential impact on credit scores. Ultimately, informed decision-making is key to successfully navigating the world of debt management and achieving financial stability.

在当今的金融环境中，许多人正在寻找更有效地管理债务的方法。一种常见的策略是“余额转移”的概念。这个术语指的是将现有债务从一个信用卡或贷款转移到另一个信用卡或贷款的过程，通常目的是为了获得更低的利率或更有利的还款条款。理解“余额转移”的工作原理可以使消费者掌控自己的财务状况，并可能在长远中节省开支。当某人决定利用“余额转移”时，他们通常会寻找提供促销利率的新客户信用卡。这些优惠可能包括低甚至0%的利率，适用于初始期间。通过将现有余额转移到这样的卡上，个人可以显著减少他们所支付的利息。例如，如果某人在一张高利率的信用卡上有债务，并将该余额转移到一张低利率的卡上，他们可以将每月还款的更多部分分配给本金，而不仅仅是偿还利息。然而，重要的是要理解，尽管“余额转移”可能是有利的，但并非没有风险。许多信用卡对转移余额收取费用，这可能占转移金额的3%到5%。因此，消费者必须仔细计算，从更低的利率中获得的潜在节省是否超过与转移相关的成本。此外，如果个人未能在促销期内还清转移的余额，他们可能会发现自己面临比之前更高的利率。处理“余额转移”时，另一个需要考虑的因素是对个人信用评分的影响。当余额被转移时，它可能会影响信用利用率，这是决定信用评分的一个关键因素。理想情况下，消费者应该努力将其信用利用率保持在30%以下。如果转移余额导致这一比例超过该阈值，可能会对他们的信用评分产生负面影响。因此，个人必须监控他们的信用利用率，并确保按时还款，以维持健康的信用评分。总之，“余额转移”的做法可以作为那些希望更有效地管理债务的人的宝贵工具。通过利用较低的利率和有利的条款，消费者可以潜在地节省资金并更快地偿还债务。然而，采取这种策略时必须谨慎，考虑任何相关费用以及对信用评分的潜在影响。最终，明智的决策是成功驾驭债务管理和实现财务稳定的关键。