debit interest

简明释义

欠息

英英释义

例句

1.When you withdraw money from your account, the bank will apply debit interest 借记利息 on the remaining balance.

当您从账户中取款时，银行将对剩余余额收取借记利息。

2.If you frequently overdraw your account, you should be aware of how much debit interest 借记利息 you are accruing.

如果您经常透支账户，您应该了解自己积累了多少借记利息。

3.The bank notified me about the increase in debit interest 借记利息 for overdrafts.

银行通知我透支的借记利息上涨了。

4.You can minimize debit interest 借记利息 by ensuring you maintain a positive balance in your account.

通过确保您的账户保持正余额，您可以减少借记利息。

5.It's important to keep track of debit interest 借记利息 rates to avoid unexpected charges.

跟踪借记利息率以避免意外费用是很重要的。

作文

Understanding financial terms is crucial for managing personal finances effectively. One such term that often comes up in banking and finance is debit interest. This term refers to the interest charged on an overdraft or a negative balance in a bank account. When an account holder spends more money than they have available in their account, they may incur a debit interest charge on the amount overdrawn. This can lead to significant financial implications if not managed properly.To illustrate this concept, let's consider a hypothetical scenario. Imagine a person named Sarah who has a checking account with her bank. Her account has a limit of $1,000, but one month she faces unexpected expenses and ends up withdrawing $1,200. Since she has exceeded her account limit by $200, the bank applies a debit interest rate to this amount. Depending on the bank's policies, Sarah could be charged a daily or monthly rate on the overdrawn amount, which means she will owe more than just the $200 she borrowed.The implications of debit interest can be serious. For instance, if Sarah does not pay back the overdrawn amount quickly, the interest could accumulate, leading to a larger debt. This situation can create a cycle of borrowing and accumulating debt, making it challenging for individuals to regain financial stability.Moreover, understanding debit interest is important because it can affect credit scores. Banks report overdrafts and associated fees to credit bureaus, which can impact an individual's creditworthiness. If Sarah consistently overdraws her account and fails to pay off the debit interest, her credit score may suffer, making it harder for her to obtain loans or credit in the future.To avoid the pitfalls of debit interest, individuals should monitor their bank accounts regularly. Setting up alerts for low balances can help account holders stay informed about their spending and avoid overdrawing their accounts. Additionally, creating a budget can provide a clearer picture of income and expenses, allowing individuals like Sarah to manage their finances more effectively.In conclusion, debit interest is a significant financial concept that can have lasting effects on an individual's finances. By understanding how it works and taking proactive steps to manage their accounts, individuals can avoid unnecessary fees and maintain better control over their financial health. Knowledge of terms like debit interest empowers consumers to make informed decisions, ultimately leading to a more secure financial future.

理解金融术语对于有效管理个人财务至关重要。其中一个常见的术语是借记利息。这个术语指的是在透支或银行账户负余额时收取的利息。当账户持有人花费超过他们在账户中可用的金额时，他们可能会在透支金额上产生借记利息费用。如果不加以妥善管理，这可能会导致重大的财务影响。为了说明这一概念，假设有一个名叫萨拉的人，她在银行有一个支票账户。她的账户限额为1000美元，但有一个月她面临意外开支，结果提取了1200美元。由于她超过了账户限额200美元，银行对这笔超支金额收取借记利息。根据银行的政策，萨拉可能会被按日或按月对超支金额收取利息，这意味着她所欠的不仅仅是200美元。借记利息的影响可能是严峻的。例如，如果萨拉没有迅速偿还超支金额，利息可能会累积，导致更大的债务。这种情况可能会导致借贷和累积债务的循环，使个人难以恢复财务稳定。此外，理解借记利息也很重要，因为它可能影响信用评分。银行将透支及相关费用报告给信用局，这可能影响个人的信用worthiness。如果萨拉持续透支账户并未偿还借记利息，她的信用评分可能会受到影响，从而使她在未来更难获得贷款或信用。为了避免借记利息的陷阱，个人应定期监控他们的银行账户。设置低余额警报可以帮助账户持有人了解其支出情况，并避免透支。此外，制定预算可以提供收入和支出的更清晰视图，使像萨拉这样的个人能够更有效地管理财务。总之，借记利息是一个重要的金融概念，可能对个人财务产生持久影响。通过了解其运作方式并采取主动措施管理账户，个人可以避免不必要的费用，并更好地控制自己的财务健康。了解像借记利息这样的术语使消费者能够做出明智的决策，最终导致更安全的财务未来。