credit balance; balance due

简明释义

贷方余额

英英释义

例句

1.If your credit balance 信用余额 exceeds $200, you can request a cash refund.

如果您的 信用余额 credit balance 超过200美元，您可以申请现金退款。

2.You can use your credit balance 信用余额 to pay for your next purchase.

您可以使用您的 信用余额 credit balance 来支付下次购买。

3.After reviewing your account, we found a credit balance 信用余额 of $150.

在审核您的账户后，我们发现有一个 信用余额 credit balance 为150美元。

4.Your last payment was applied, and now you have a balance due 应付余额 of $75.

您的最后一次付款已被应用，现在您有一个 应付余额 balance due 为75美元。

5.The invoice shows a balance due 应付余额 of $300, which is due by the end of the month.

发票显示 应付余额 balance due 为300美元，需在本月底前支付。

作文

In the world of finance, understanding terms like credit balance and balance due is crucial for managing personal finances effectively. A credit balance refers to the amount of money that is available in an account after all transactions have been accounted for. It indicates that there is a positive amount in the account, which can be used for future purchases or to pay off debts. On the other hand, a balance due represents the total amount of money that is owed to a creditor at a given time. This could be for a loan, a credit card bill, or any other form of debt. Understanding these two concepts can help individuals maintain their financial health and avoid unnecessary fees or penalties.For instance, when a person receives their monthly credit card statement, they will often see both a credit balance and a balance due. If the credit balance is higher than the balance due, it means that the individual has overpaid their credit card bill. This overpayment can be beneficial as it may provide a buffer against future expenses. Conversely, if the balance due exceeds the credit balance, it indicates that the individual needs to make a payment to avoid late fees or interest charges.Managing these balances effectively is essential for maintaining a good credit score. A strong credit score can lead to better interest rates on loans and credit cards, making it easier to borrow money in the future. Individuals should regularly monitor their credit balance and balance due to ensure they are staying on top of their financial obligations. Tools such as budgeting apps and financial software can assist in tracking these figures, providing users with insights into their spending habits and helping them plan for future expenses.Moreover, understanding these terms can aid in financial planning. For example, if someone knows that they have a significant balance due on a loan, they can prioritize paying it off to reduce their overall debt. Likewise, if they have a credit balance, they might decide to use that amount to pay down other debts or save it for emergencies. This proactive approach to managing finances can lead to greater financial stability and peace of mind.In conclusion, the terms credit balance and balance due are fundamental concepts in personal finance. By understanding the difference between these two terms and keeping track of them, individuals can make informed decisions about their money. Whether it’s ensuring timely payments to avoid penalties or leveraging a credit balance to improve financial standing, these concepts play a vital role in achieving financial goals. Therefore, it is important for everyone to familiarize themselves with these terms and incorporate them into their financial literacy practices.

在金融世界中，理解诸如信用余额和应付余额等术语对于有效管理个人财务至关重要。信用余额是指在所有交易结算后账户中可用的资金总额。它表示账户中有正数金额，可以用于未来的购买或偿还债务。另一方面，应付余额代表在特定时间内欠债权人的总金额。这可能是贷款、信用卡账单或任何其他形式的债务。理解这两个概念可以帮助个人保持财务健康，避免不必要的费用或罚款。例如，当一个人收到他们的每月信用卡对账单时，他们通常会看到信用余额和应付余额。如果信用余额高于应付余额，这意味着个人已多付了信用卡账单。这种多付款项可能是有益的，因为它可以为未来的开支提供缓冲。相反，如果应付余额超过信用余额，则表明个人需要进行支付以避免逾期费用或利息收费。有效管理这些余额对于维持良好的信用评分至关重要。强大的信用评分可以导致贷款和信用卡的更好利率，使未来借款变得更加容易。个人应定期监控他们的信用余额和应付余额，以确保他们正在跟上财务义务。预算应用程序和财务软件等工具可以帮助跟踪这些数字，为用户提供有关其消费习惯的洞察，并帮助他们规划未来的开支。此外，理解这些术语可以帮助进行财务规划。例如，如果某人知道他们在贷款上有相当大的应付余额，他们可以优先考虑偿还以减少整体债务。同样，如果他们有信用余额，他们可能决定利用该金额偿还其他债务或将其存入紧急基金。这种主动管理财务的方法可以带来更大的财务稳定性和内心的平静。总之，信用余额和应付余额这两个术语是个人财务中的基本概念。通过理解这两个术语之间的区别并跟踪它们，个人可以做出明智的金钱决策。无论是确保及时付款以避免罚款，还是利用信用余额改善财务状况，这些概念在实现财务目标方面都发挥着重要作用。因此，每个人都应该熟悉这些术语，并将其纳入自己的财务素养实践中。