credit ballance

简明释义

贷方余额

英英释义

例句

1.You can use your credit balance 信用余额 to make future purchases without needing to pay upfront.

您可以使用您的信用余额 credit balance进行未来的购买，无需提前付款。

2.To avoid overdraft fees, always keep an eye on your credit balance 信用余额.

为了避免透支费用，请始终关注您的信用余额 credit balance。

3.I received a notification that my credit balance 信用余额 has been updated after my last transaction.

我收到通知，称我的信用余额 credit balance在我最后一次交易后已更新。

4.After reviewing my account, I noticed that my credit balance 信用余额 is higher than I expected.

在查看我的账户后，我注意到我的信用余额 credit balance比我预期的要高。

5.The store allows you to check your credit balance 信用余额 at any time via their app.

商店允许您随时通过他们的应用程序查看您的信用余额 credit balance。

作文

In today's financial world, understanding the concept of credit balance is crucial for managing personal and business finances effectively. A credit balance refers to an amount of money that is available in an account, indicating that the account holder has more funds than what they owe. This can be seen in various contexts, such as bank accounts, credit cards, and even business ledgers. For individuals, maintaining a positive credit balance is essential for ensuring financial stability and avoiding debt. When a person regularly deposits money into their bank account or pays off their credit card bills on time, they create a favorable credit balance that allows them to access additional funds when needed.For businesses, a credit balance can signify good financial health. Companies often track their income and expenses closely, and having a positive credit balance means that they are generating more revenue than they are spending. This surplus can be reinvested into the business, used to pay off debts, or distributed to shareholders. Understanding how to maintain a healthy credit balance is vital for long-term success in any business venture.Moreover, a credit balance can also have implications for one’s credit score. Credit scores are calculated based on various factors, including payment history, amounts owed, and the length of credit history. A high credit balance on a credit card, for instance, can negatively impact one’s credit utilization ratio, which is a significant component of credit scoring. Therefore, it is advisable for individuals to keep their credit balance low relative to their credit limits to maintain a healthy credit score.Furthermore, understanding the implications of a credit balance can help individuals make informed decisions about borrowing and spending. For example, if someone has a high credit balance on their credit card, they may feel more comfortable making larger purchases or taking out loans. However, it is essential to remember that a high credit balance should not lead to reckless spending, as this can quickly spiral into debt if not managed properly.In conclusion, the concept of credit balance plays a vital role in both personal and business finance. It is essential to monitor and understand one’s credit balance to ensure financial health and stability. By maintaining a positive credit balance, individuals and businesses alike can navigate the complexities of the financial world with greater ease. Ultimately, the key to achieving and sustaining a healthy credit balance lies in disciplined financial management, informed decision-making, and a commitment to responsible spending habits.

在当今的金融世界中，理解信用余额的概念对于有效管理个人和企业财务至关重要。信用余额指的是账户中可用的金额，表明账户持有人拥有的资金超过了他们所欠的款项。这可以在各种情况下看到，例如银行账户、信用卡甚至商业账本。对于个人来说，保持积极的信用余额对确保财务稳定和避免债务至关重要。当一个人定期将钱存入他们的银行账户或按时偿还信用卡账单时，他们会创造出有利的信用余额，这使他们在需要时能够获得额外的资金。对于企业而言，信用余额可以标志着良好的财务健康。公司通常密切跟踪其收入和支出，拥有积极的信用余额意味着它们产生的收入超过了支出。这种盈余可以再投资于业务、用于偿还债务或分配给股东。理解如何保持健康的信用余额对任何商业冒险的长期成功至关重要。此外，信用余额也可能对个人的信用评分产生影响。信用评分是根据多种因素计算的，包括支付历史、欠款金额和信用历史的长度。例如，信用卡上的高信用余额可能会对个人的信用利用率产生负面影响，而信用利用率是信用评分的重要组成部分。因此，建议个人保持其信用卡的信用余额相对于信用限额较低，以维持健康的信用评分。此外，理解信用余额的含义可以帮助个人在借贷和消费方面做出明智的决定。例如，如果某人在其信用卡上有高信用余额，他们可能会觉得更舒适地进行较大购买或申请贷款。然而，重要的是要记住，高信用余额不应导致挥霍消费，因为如果管理不当，这很快就会演变为债务。总之，信用余额的概念在个人和企业财务中扮演着至关重要的角色。监控和理解自己的信用余额是确保财务健康和稳定的关键。通过保持积极的信用余额，个人和企业都可以更轻松地驾驭金融世界的复杂性。最终，达到和维持健康的信用余额的关键在于严谨的财务管理、明智的决策和对负责任消费习惯的承诺。