closed account

简明释义

已结帐户

英英释义

例句

1.Before applying for a new credit card, make sure you don't have any closed accounts with outstanding balances.

在申请新的信用卡之前，确保你没有任何已关闭账户有未结清的余额。

2.If you want to reopen a closed account, you may need to visit the bank in person.

如果你想重新开启一个已关闭账户，可能需要亲自去银行。

3.Her financial advisor suggested she review her closed accounts for any potential errors.

她的财务顾问建议她检查一下她的已关闭账户，以找出可能的错误。

4.I received a notification that my bank account has been marked as a closed account.

我收到了通知，我的银行账户已被标记为已关闭账户。

5.The company reported the closed account to the credit bureau.

公司向信用局报告了该已关闭账户。

作文

In today's digital age, managing finances has become more complex than ever. One term that often comes up in discussions about banking and finance is the phrase closed account. Understanding what a closed account means is essential for anyone who engages with financial institutions. A closed account refers to a bank account that has been terminated or deactivated by either the bank or the account holder. This can happen for various reasons, such as the account holder choosing to switch banks, closing an account due to inactivity, or even the bank closing the account due to suspicious activity or failure to maintain minimum balance requirements.When an account is closed, it is important for the account holder to understand the implications. For instance, if you have automatic payments set up, those will need to be redirected to a new account. Failing to do so can result in missed payments, late fees, and even damage to your credit score. Additionally, if there are any outstanding transactions or pending deposits, these need to be resolved before the account can be fully closed.Moreover, a closed account can still affect your financial history. Banks typically keep records of closed accounts for a certain period, which can be reviewed by other financial institutions when you apply for loans or credit cards. This means that even after an account is closed, it can still have an impact on your financial reputation.In some cases, individuals may choose to close accounts that they no longer use. This can help simplify their financial management and reduce the risk of identity theft. However, it's crucial to ensure that all funds have been withdrawn and that no pending transactions exist before proceeding with the closure. Some banks may also have specific procedures for closing accounts, which can vary from one institution to another.Another aspect to consider is the potential fees associated with closing a closed account. Some banks may charge a fee for closing an account within a certain time frame after opening it. Therefore, it is advisable to read the terms and conditions carefully before making any decisions regarding account closure.In conclusion, a closed account is more than just a term; it carries significant implications for personal finance management. Whether you are considering closing an account or have already done so, understanding the process and its effects is vital. Always ensure that you are aware of the reasons behind the closure, the status of your transactions, and any potential fees involved. By doing so, you can navigate your financial landscape more effectively and make informed decisions about your banking needs.

在当今的数字时代，管理财务变得比以往任何时候都更加复杂。一个在讨论银行和金融时常常出现的术语是短语closed account。理解closed account的含义对于任何与金融机构打交道的人来说都是至关重要的。closed account指的是一个已被银行或账户持有人终止或停用的银行账户。这可能由于多种原因发生，例如账户持有人选择更换银行、因不活动而关闭账户，甚至是银行因可疑活动或未能维持最低余额要求而关闭账户。当账户关闭时，账户持有人需要了解其影响。例如，如果您设置了自动付款，则需要将这些付款重定向到新账户。如果不这样做，可能会导致错过付款、产生滞纳金，甚至损害您的信用评分。此外，如果有任何未完成的交易或待存款，这些都需要在账户完全关闭之前解决。此外，closed account仍然会影响您的财务历史。银行通常会在一定时期内保留关闭账户的记录，其他金融机构在您申请贷款或信用卡时可以查看这些记录。这意味着，即使在账户关闭后，它仍可能对您的财务声誉产生影响。在某些情况下，个人可能会选择关闭他们不再使用的账户。这可以帮助简化他们的财务管理并减少身份盗窃的风险。然而，在进行关闭之前，确保所有资金已被提取且没有待处理交易是至关重要的。一些银行可能还有特定的账户关闭程序，这可能因银行而异。另一个需要考虑的方面是关闭closed account可能涉及的费用。一些银行可能会在开设账户后的某个时间框架内收取关闭账户的费用。因此，在做出任何关于账户关闭的决定之前，仔细阅读条款和条件是明智的。总之，closed account不仅仅是一个术语；它对个人财务管理具有重要意义。无论您是考虑关闭账户还是已经关闭，理解这一过程及其影响都是至关重要的。始终确保您了解关闭的原因、交易状态以及可能涉及的任何费用。通过这样做，您可以更有效地驾驭自己的财务状况，并就银行需求做出明智的决策。