over draft

简明释义

超过许可吃水

英英释义

例句

1.To avoid over draft, I set up alerts for my bank account balance.

为了避免透支，我为我的银行账户余额设置了提醒。

2.The bank charged me interest on my over draft amount.

银行对我的透支金额收取了利息。

3.Be careful not to exceed your limit; you don’t want to end up in over draft.

小心不要超过你的限额；你可不想最终进入透支状态。

4.She was surprised to find her account in over draft after the unexpected expenses.

她对意外开支后发现自己的账户处于透支状态感到惊讶。

5.I realized I had to pay a fee because I went into over draft.

我意识到我必须支付一笔费用，因为我进入了透支状态。

作文

In today's fast-paced financial world, many individuals find themselves in situations where they need immediate access to funds. One of the most common solutions to this problem is the concept of an over draft (透支). An over draft occurs when a bank allows a customer to withdraw more money than they have in their account, effectively creating a negative balance. While this can be a helpful tool in times of financial need, it is essential to understand both the advantages and disadvantages of using an over draft.Firstly, the primary benefit of an over draft is that it provides a safety net for individuals who may experience unexpected expenses. For instance, if someone faces an emergency medical bill or needs to make a crucial payment but lacks sufficient funds, an over draft can help them avoid missed payments and potential penalties. This flexibility can be invaluable, allowing people to manage their finances more effectively during difficult times.Moreover, having an over draft can enhance one’s creditworthiness if used responsibly. Banks often report account activity to credit bureaus, and maintaining a good standing with an over draft can demonstrate to lenders that a person is capable of managing debt. This can lead to better interest rates on loans and increased chances of approval for future credit applications.However, it is crucial to recognize the potential pitfalls associated with an over draft. One significant concern is the high fees that banks may charge for overdrawing an account. These fees can accumulate quickly, leading to a cycle of debt that can be challenging to escape. If a person relies too heavily on an over draft, they may find themselves in a precarious financial situation, struggling to pay back the borrowed amounts while incurring additional charges.Additionally, frequent use of an over draft can indicate poor financial management. If someone consistently finds themselves needing to overdraw their account, it may be a sign that they need to reevaluate their budgeting practices. Relying on an over draft should not be a long-term solution; instead, it should be viewed as a temporary measure to address short-term cash flow issues.In conclusion, an over draft (透支) can be a useful financial tool when used wisely and sparingly. It offers individuals the ability to access funds in emergencies and can positively impact their credit score if managed correctly. However, the risks associated with high fees and potential debt accumulation must not be overlooked. To truly benefit from an over draft, individuals should maintain a clear understanding of their finances and use this option judiciously. By doing so, they can navigate the complexities of personal finance with greater confidence and security.

在当今快节奏的金融世界中，许多人发现自己需要立即获得资金。解决这个问题的最常见方法之一是“over draft”（透支）的概念。当银行允许客户提取超过他们账户余额的钱时，就会发生over draft，从而形成负余额。虽然在财务需要时这可以是一个有用的工具，但理解使用over draft的优缺点至关重要。首先，over draft的主要好处是为经历意外开支的人提供了安全网。例如，如果某人面临紧急医疗费用或需要进行重要付款但资金不足，over draft可以帮助他们避免错过付款和潜在的罚款。这种灵活性在困难时期可以是无价的，使人们能够更有效地管理财务。此外，负责任地使用over draft可以增强个人的信用worthiness。银行通常会向信用局报告账户活动，保持良好的over draft状态可以向贷款人证明一个人能够管理债务。这可能导致贷款的更好利率和未来信用申请的批准机会增加。然而，认识到与over draft相关的潜在陷阱至关重要。一个重大问题是银行可能对透支账户收取的高额费用。这些费用可能迅速累积，导致难以摆脱的债务循环。如果一个人过于依赖over draft，他们可能会发现自己处于危险的财务状况中，努力偿还借款的同时还产生额外费用。此外，频繁使用over draft可能表明财务管理不善。如果某人持续需要透支其账户，这可能是他们需要重新评估预算做法的信号。依赖于over draft不应成为长期解决方案；相反，它应被视为解决短期现金流问题的临时措施。总之，over draft（透支）可以是一个有用的金融工具，当明智和节制地使用时。它为个人在紧急情况下获得资金的能力，并且如果正确管理，可以对他们的信用评分产生积极影响。然而，必须注意与高额费用和潜在债务累积相关的风险。为了真正从over draft中受益，个人应保持对自身财务的清晰理解，并谨慎使用此选项。通过这样做，他们可以更自信和安全地驾驭个人财务的复杂性。