信用卡的好处和坏处 信用卡的好处和坏处英语作文

老铁们，大家好，相信还有很多朋友对于信用卡的好处和坏处 和信用卡的好处和坏处 的相关问题不太懂，没关系，今天就由我来为大家分享分享信用卡的好处和坏处 以及信用卡的好处和坏处 的问题，文章篇幅可能偏长，希望可以帮助到大家，下面一起来看看吧！

信用卡的好处和坏处?

用信用卡的好处：

(1)去外地旅行不用带太多现金，用信用卡就好方便。

(2)可预支钱来买东西，不用立即付款。

(3)若即时需要现金周转，可拿信用卡到银行或提款机即时取现金。

(4)申请信用卡可免年费，可得礼品或超市优惠券。

(5)不用即时还钱，赚到银行利息。

用信用卡的坏处：

(1)遗失信用卡好麻烦，要立即致电卡中心截卡，又怕比人盗用。

(2)若失预算不能还钱，要付好贵利息。

(3)容易不经考虑就会乱用钱，甚至超支。

(4)申请卡后的礼品多数冇用或好易坏。

(5)若卡数过卡数(即从这间银行所欠的钱，再由另一间银行代还，不停重复)

欠款越积越多，不能还钱会有收数公司上门的。

总结：若小心使用信用卡，其实都十分方便的。,在于个人控制范围之内的事,事实上信用卡是一个免息贷款的工具,只要准时还清,就一定有你着数,否则佢系会增加你开支。

好处

无现金交易:避免假银纸,无需携带大量现金通街走,交易无国界,交易方便快捷,不用数银纸,消费有记录。

资金灵活调配:迟找数,后备钱(不要时可用作现金透支无需任何审批),有些更可利用网上缴费进行信用额套现无需缴付任何利息。

悭钱:现金回赠,积分换合用礼品或现金券,消费有折扣或优惠。

坏处

不小心:失卡较麻烦要报失及补发,因盗用而失财。

乱花费:增加不必要消费开支,储蓄减少,财政问题。

拖卡数:增加利息开支,负债累累,被降低信货评级。,我个人觉得信用卡对那些有节制和有定力的人来说是好的工具;同样地对那些不够定力会洗未来钱的人来说就是一个恶梦.

好处:-

1.有数期,不要马上付钱.

2.有积分可以换礼物.

3.到外地是不用带现金,比较安全.

4.有时候有推广时去餐厅有优惠

坏处:-

1.容易洗脚不抹脚,洗大了,到还钱是就要问人借;要是比利息就更大件事,

2.因为不用马上比现金,所以会有一时的冲动去买,但可能会发现最后是不想买的.

3.被人偷了又没有报失的话,会要背负一部分的责任.,

急需两篇关于信用卡的好处的英语作文

急需两篇关于信用卡的好处的英语作文

Credit cards have had bad press over the past few months of the credit crunch they only cause more debt and have unfair rates of interest. . However, if a credit card is used in the correct way and you keep up with your payments, they can be very valuable in many aspects.

One of the most beneficial aspects of having a credit card is that it can help you to increase your credit score. If you have little borrowing experience, taking out a credit card helps to convey to other creditors that you are a responsible and reliable borrower.

Another benefit of owning a credit card is that it can be easier to buy things. Some companies, such as those in the travel sector like hotels, airlines and car rental companies prefer payment by credit card, and some do not accept cash payments at all. As well as this convenience, many card companies give insurance on large purchases. An example of this is when airline XL went bust in September,

A more obvious benefit of a credit card, and one of the main reasons people apply for a credit card, is that you have access to money during emergencies. If you resist the temptation of spending the money on your credit card, you are left with a good sum of money to use when you most need it. You only pay interest on purchases or on cash withdrawals, so keeping a credit card at home (where you won"t be able to spend on it) can be very valuable.

第二篇，

What Are the Advantages of Business Credit Cards?

Easier to obtain than lines of credit, these cards can help

the all business owner conserve cash while still buying the equipment and supplies needed to keep the business moving forward. Surveys report that more than 65 percent of all businesses now have credit cards, and this number continues to rise. Of course, not unlike personal credit cards, the same warnings hold true: Business credit cards must be used cautiously and only for the sake of the business.

Although business credit cards typically carry an annual fee, it is usually rather nominal. A number of advantages are evident in such business credit cards, including:

Another advantage of a business credit card is that by using it, you are demonstrating the growth of business while promoting it at the same time. Even someone running a home-based business gains more credibility when flashing a business credit card.

有关信用卡的英语短文

How To Stop Credit Card Abuse

Consumer complaints about credit card abuse continues to increase despite clearly defined federal regulations meant to stop abuse. By knowing and understanding your rights, you can stop abuse. Let� examine four common methods of credit card company abuse and what you can do to stop the victimizing.

1. My creditor is charging me for items I did not purchase. Examine your bill every month to make sure that what you are being charged is what you ordered. If there is something listed that does not belong to you, notify the credit card company in writing about the disputed item. Federal law requires you do this within sixty days of receiving your bill. You must do this in writing as your rights will not be protected if you call in your complaint. Credit card companies have two billing cycles or 90 days to correct the problem.

2. My creditor regularly charges me late fees. You know that you always mail your credit payments in on time, but you just got hit with a late fee. If you are a customer in good standing, write a complaint to the credit card company and tell them you want the charge reversed. If this was a one time occurrence, your creditor will likely reverse the charge promptly. If you regularly get hit with late fees, make sure your payment is always mailed in well in advance of the date that it is due. Shady credit card companies will move up the day that your payment is due without your being aware of it. Always open your bill immediately and plan on making payments as soon as possible.

3. I was late with a mortgage payment and now my credit card company is raising their rates. Yes, as unbelievable as it sounds, some credit card companies have a provision in their contract that lists a Universal default charge. What this means is this: if you are late paying back a separate creditor, your credit card company can raise their rates. In other words, you have now become less creditworthy in their eyes and your rate has doubled or tripled! The only way to combat this problem is to pay off your credit cards in full every month.

To overcome abuse, you must take charge of the situation and respond in the proper manner. Good credit card companies correct their errors while abusers continue this practice. In the end, it may be time for you to sever your relationship with them.

信用卡的好处与坏处英语总结

Advantages of using credit cards:

Firstly, it is safer than carrying a lot of money.

Then, it is convenient.

Thirdly, we can buy something without pay money.

Disadvantages:

First of all, your code may be known by others.

Then, you must have a lot of bills. If you don"t pay back, you will be accused.

关于信用卡的利弊的英文文章

Today"s Web developer needs to have a thorough knowledge of how to build commerce-enabled Web sites. One of the most mysterious areas, for clients and Web shops alike, is the process of setting up a Web-enabled credit card merchant account. The gold rush of e-commerce has spawned hordes of pick-and-shovel peddlers. If you search for information on credit cards, you"ll find page after page of outfits, all offering to get your credit card scene together pronto and cheapo. All of them try to make the process of getting a merchant account sound extremely difficult and complicated (if you buy their product, of course, it becomes easy). I am sorry to say that not a few of these outfits are shaky, shady, or simply scams. What do you really need to get credit card transactions going on a site, and how do you find a reputable bank that"s knowledgeable about the Internet?

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