credit balance

简明释义

贷差

英英释义

例句

1.The store offered a refund, which resulted in a credit balance on my gift card.

商店提供了退款，这导致我的礼品卡上有了一个信用余额。

2.To avoid interest charges, make sure your credit balance is paid off each month.

为了避免利息费用，请确保每个月都偿还你的信用余额。

3.My online shopping account shows a credit balance of $50 after my last return.

我的在线购物账户显示，在我最后一次退货后，有一个信用余额为50美元。

4.You can use your credit balance to make future purchases without needing to add more funds.

你可以使用你的信用余额来进行未来的购买，而无需再添加更多资金。

5.After paying my last bill, I checked my account and found a positive credit balance.

在支付完我的最后一笔账单后，我查看了我的账户，发现有一个正的信用余额。

作文

In today's financial world, understanding various terms is essential for effective money management. One such term that often comes up in banking and accounting is credit balance. A credit balance refers to the amount of money that is available in an account after all transactions have been accounted for. This term is commonly used in the context of bank accounts, credit cards, and other financial statements. It indicates that the account holder has a positive balance, meaning they have funds available to withdraw or spend.For instance, when you deposit money into your bank account, your account reflects a credit balance. This means that you can use this money for various purposes, such as making purchases, paying bills, or saving for future needs. On the other hand, if you were to spend more than what you have in your account, you would end up with a negative balance, often referred to as a debit balance. Understanding the difference between these two balances is crucial for maintaining financial health.Credit cards also utilize the concept of credit balance. When you make a payment on your credit card, it reduces your outstanding debt and increases your credit balance. This balance represents the amount you have available to spend on your card without exceeding your credit limit. Keeping track of your credit balance is vital because it helps you avoid overspending and incurring high-interest charges.Moreover, the credit balance can also reflect a positive outcome in accounting practices. For businesses, a credit balance in accounts receivable indicates that customers have paid their invoices, leading to increased cash flow. Conversely, a credit balance in accounts payable may suggest that the company has overpaid its suppliers or that there are credits available for future purchases.Understanding your credit balance is not just about knowing how much money you have; it also involves managing your expenses wisely. Regularly monitoring your credit balance can help you identify spending patterns and adjust them accordingly. For example, if you notice that your credit balance is consistently lower than you would like, it might be time to review your budget and cut unnecessary expenses.In conclusion, the term credit balance plays a significant role in personal finance and business accounting. Whether you are managing a personal bank account or running a company, keeping a close eye on your credit balance can lead to better financial decisions and improved economic stability. By understanding what a credit balance is and how it affects your financial situation, you can take proactive steps towards achieving your financial goals. Remember, financial literacy is key to navigating the complexities of money management, and being aware of terms like credit balance is a step in the right direction.

在当今的金融世界中，理解各种术语对有效的资金管理至关重要。其中一个常常出现的术语是信用余额。信用余额指的是在所有交易计算完毕后，账户中可用的资金总额。这个术语通常用于银行账户、信用卡和其他财务报表中。它表示账户持有者拥有正余额，这意味着他们有资金可以提取或消费。例如，当您将钱存入银行账户时，您的账户会显示信用余额。这意味着您可以使用这笔钱进行各种用途，例如购物、支付账单或为未来需求储蓄。另一方面，如果您花费超过账户中的金额，您将最终得到负余额，通常称为借记余额。理解这两种余额之间的区别对于维持财务健康至关重要。信用卡也利用了信用余额的概念。当您在信用卡上进行付款时，它会减少您的未偿债务并增加您的信用余额。这个余额表示您在不超过信用限额的情况下可以花费的金额。跟踪您的信用余额至关重要，因为这可以帮助您避免超支和产生高额利息费用。此外，信用余额在会计实践中也可以反映出积极的结果。对于企业而言，应收账款中的信用余额表示客户已经支付了他们的发票，从而导致现金流增加。相反，应付账款中的信用余额可能表明公司已向供应商多付了款项，或者未来的采购有可用的信用。理解您的信用余额不仅仅是知道您有多少钱；它还涉及到明智地管理您的开支。定期监控您的信用余额可以帮助您识别消费模式并相应调整。例如，如果您发现您的信用余额始终低于您希望的水平，可能是时候审查您的预算并削减不必要的开支。总之，信用余额这一术语在个人财务和商业会计中扮演着重要角色。无论您是在管理个人银行账户还是经营公司，密切关注您的信用余额都可以带来更好的财务决策和改善经济稳定性。通过理解信用余额是什么以及它如何影响您的财务状况，您可以采取主动措施实现财务目标。请记住，金融素养是驾驭资金管理复杂性的关键，而了解像信用余额这样的术语是朝着正确方向迈出的一步。