on credit

简明释义

赊帐

英英释义

例句

1.The store allows customers to purchase items on credit>以信用方式 if they qualify.

该商店允许客户如果符合条件，可以以信用方式购买商品。

2.I bought my new laptop on credit>以信用方式 because I didn't have enough cash.

我用信用方式买了我的新笔记本电脑，因为我没有足够的现金。

3.She decided to get the furniture on credit>以信用方式 to avoid paying upfront.

她决定以信用方式购买家具，以避免提前付款。

4.They offered me a deal to buy the appliances on credit>以信用方式 with zero interest for a year.

他们给我提供了一个交易，可以以信用方式购买电器，第一年免息。

5.He was able to buy the car on credit>以信用方式 and pay it off over time.

他能够以信用方式买下那辆车，并分期付款。

作文

In today's society, many people rely on various forms of financing to make purchases that they cannot afford outright. One common method of financing is buying items on credit, which allows consumers to obtain goods or services immediately while delaying payment until later. This practice has become increasingly popular in recent years, especially with the rise of credit cards and online shopping. However, understanding the implications of purchasing on credit is crucial for maintaining financial health.When someone buys something on credit, they are essentially borrowing money from a lender, which could be a bank, credit card company, or other financial institution. The consumer agrees to pay back the borrowed amount, often with interest, over a specified period. This means that while the immediate need for the item is fulfilled, there is a future financial obligation that must be managed.One of the major advantages of buying on credit is the convenience it offers. For instance, if someone needs a new refrigerator but does not have enough cash saved up, they can purchase it on credit and start using it right away. This can be particularly beneficial in emergencies when essential appliances break down unexpectedly. Additionally, many credit cards offer rewards or cash back for purchases made on credit, incentivizing consumers to use them for their transactions.However, there are significant risks associated with buying on credit that consumers need to consider. One major concern is the potential for accumulating debt. If individuals do not manage their spending wisely, they can find themselves in a cycle of debt where they are unable to pay off their credit balances in full. High-interest rates on credit cards can exacerbate this issue, leading to a situation where the total amount owed grows rapidly, making it difficult to escape the debt trap.Moreover, making purchases on credit can lead to overspending. Since consumers are not paying with cash upfront, they may be less mindful of their spending habits. This can result in buying unnecessary items or exceeding their budget, which can create financial strain. It is important for consumers to set limits on their credit usage and to only buy what they can afford to pay back within a reasonable timeframe.Another factor to consider is the impact of credit scores. When purchases are made on credit, they can influence an individual's credit score, which is a numerical representation of their creditworthiness. Making timely payments can improve one’s credit score, while late payments can have the opposite effect. A good credit score is essential for obtaining favorable loan terms in the future, such as lower interest rates on mortgages or car loans.In conclusion, buying items on credit can provide immediate access to necessary goods and services, but it is vital for consumers to approach this practice with caution. Understanding the responsibilities that come with borrowing money is key to avoiding debt and maintaining financial stability. By being mindful of their spending habits and ensuring they can meet their repayment obligations, consumers can enjoy the benefits of purchasing on credit without falling into financial difficulties.

在当今社会，许多人依赖各种融资方式来购买他们无法立即支付的商品。购买商品的一个常见方法是以信用的方式购买，这允许消费者立即获得商品或服务，同时推迟付款到以后。这种做法在近年来变得越来越流行，特别是在信用卡和网上购物兴起的情况下。然而，理解以信用的方式购买的影响对于维护财务健康至关重要。当某人以信用的方式购买某物时，他们实际上是在向贷方借钱，这可能是银行、信用卡公司或其他金融机构。消费者同意在规定的时间内偿还借款金额，通常还要支付利息。这意味着虽然对商品的即时需求得到了满足，但未来必须管理的财务义务也随之而来。以信用的方式购买的主要优点之一是它所提供的便利性。例如，如果某人需要一台新的冰箱，但没有足够的现金储蓄，他们可以以信用的方式购买并立即开始使用。这在紧急情况下特别有利，例如当必需的电器意外损坏时。此外，许多信用卡为以信用的方式进行的购买提供奖励或现金返还，鼓励消费者在交易中使用它们。然而，与以信用的方式购买相关的重大风险是消费者需要考虑的一个重要问题。一个主要的担忧是积累债务的潜在风险。如果个人不明智地管理他们的支出，他们可能会发现自己陷入一种债务循环，无法全额偿还信用余额。信用卡的高利率可能会加剧这一问题，导致欠款总额迅速增长，使人们难以摆脱债务陷阱。此外，以信用的方式进行购买可能导致超支。由于消费者没有立即用现金支付，他们可能对自己的消费习惯不那么关注。这可能导致购买不必要的商品或超出预算，从而造成财务压力。消费者设定信用使用限制并仅购买他们能够在合理的时间内偿还的商品非常重要。另一个需要考虑的因素是信用评分的影响。当以信用的方式进行购买时，它们可能会影响个人的信用评分，这是对其信用worthiness的数字表示。按时付款可以改善个人的信用评分，而逾期付款则会产生相反的效果。良好的信用评分对于在未来获得优惠贷款条款至关重要，例如抵押贷款或汽车贷款的较低利率。总之，以信用的方式购买商品可以立即获取必要的商品和服务，但消费者必须谨慎对待这种做法。理解借钱所带来的责任是避免债务和保持财务稳定的关键。通过注意消费习惯并确保能够履行还款义务，消费者可以享受以信用的方式购买的好处，而不陷入财务困境。