on credit

简明释义

赊

英英释义

例句

1.You can get furniture on credit at that store.

你可以在那家商店用信用购买家具。

2.I bought my new laptop on credit.

我用信用买了我的新笔记本电脑。

3.He has a bad habit of buying things on credit.

他有一个不好的习惯，喜欢用信用买东西。

4.They offered me the car on credit with low interest.

他们以低利率向我提供这辆车信用购买。

5.She prefers to pay for her groceries on credit.

她更喜欢用信用支付她的杂货。

作文

In today's fast-paced world, the concept of buying goods and services on credit has become increasingly common. The term on credit refers to a purchasing arrangement where a buyer acquires a product or service without making an immediate payment. Instead, the payment is deferred to a later date, allowing individuals to enjoy their purchases while managing their finances over time. This practice can be beneficial but also carries certain risks that consumers should be aware of.One of the primary advantages of buying on credit is that it provides immediate access to goods and services. For instance, consider a family in need of a new refrigerator. If they do not have enough cash on hand, they can opt to purchase the appliance on credit. This means they can have the refrigerator delivered and installed right away, improving their quality of life without having to wait until they save enough money.Moreover, purchasing on credit can help build a positive credit history. When consumers make timely payments on their credit accounts, they demonstrate financial responsibility. This can lead to a higher credit score, which is crucial for future borrowing needs, such as applying for a mortgage or an auto loan. A good credit score can result in lower interest rates and better loan terms, ultimately saving consumers money in the long run.However, there are significant downsides to buying on credit that must be considered. One major risk is the potential for accumulating debt. If a consumer does not manage their credit wisely, they may find themselves unable to keep up with payments, leading to late fees and increased interest charges. Over time, this can create a cycle of debt that is difficult to escape.Furthermore, when buying on credit, it is essential to understand the terms of the agreement. Many credit arrangements come with high-interest rates, which can significantly increase the total cost of the purchase. For example, if a person buys a television on credit with a 20% interest rate, they may end up paying much more than the original price if they take too long to pay it off. Therefore, consumers must read the fine print and ensure they are comfortable with the repayment terms before committing to a purchase.Another consideration is the psychological impact of purchasing on credit. It can be easy to overspend when using credit, as the immediate pain of parting with money is absent. This can lead to impulse buying and purchasing items that are not truly needed. Consumers should practice self-discipline and only buy on credit when necessary or when they are confident in their ability to repay the amount owed.In conclusion, buying on credit can offer both benefits and drawbacks. It allows for immediate access to products and helps build credit history, but it can also lead to debt and financial strain if not managed properly. Consumers should approach credit purchases with caution, ensuring they fully understand the terms and are prepared for the responsibilities that come with borrowing. By doing so, they can enjoy the benefits of buying on credit while minimizing the associated risks.

在当今快节奏的世界中，信用消费的概念变得越来越普遍。这个术语信用消费指的是一种购买安排，买方在没有立即付款的情况下获得产品或服务。相反，付款被推迟到以后，这使得个人可以在管理财务时享受他们的购买。这种做法可能是有益的，但也带来了一些消费者应该注意的风险。购买信用消费的主要优点之一是它提供了对商品和服务的即时访问。例如，考虑一个需要新冰箱的家庭。如果他们手头没有足够的现金，他们可以选择信用消费来购买电器。这意味着他们可以立即送货和安装冰箱，提高生活质量，而不必等到他们存够钱。此外，购买信用消费可以帮助建立良好的信用历史。当消费者按时还款时，他们表现出财务责任感。这可以导致更高的信用评分，这对于未来的借贷需求至关重要，例如申请抵押贷款或汽车贷款。良好的信用评分可以带来更低的利率和更好的贷款条件，从而最终节省消费者的资金。然而，购买信用消费存在着必须考虑的重大缺点。一个主要风险是可能会积累债务。如果消费者没有明智地管理自己的信用，他们可能会发现自己无法跟上还款，导致滞纳金和利息增加。随着时间的推移，这可能会造成一个难以逃脱的债务循环。此外，在购买信用消费时，了解协议的条款至关重要。许多信用安排的利率很高，这可能会显著增加购买的总成本。例如，如果一个人以20%的利率购买电视机信用消费，如果他们花太长时间来还清，最终可能会支付比原价多得多的钱。因此，消费者必须仔细阅读条款，并确保在承诺购买之前对还款条款感到满意。另一个考虑因素是购买信用消费的心理影响。当使用信用时，过度消费可能很容易，因为没有立即失去金钱的痛苦。这可能导致冲动购买和购买不必要的物品。消费者应该练习自律，只有在必要时或在他们有信心能够偿还所欠金额时才进行信用消费。总之，购买信用消费既有好处也有缺点。它允许对产品的即时访问并帮助建立信用历史，但如果管理不当，也可能导致债务和财务压力。消费者应该谨慎对待信用消费，确保他们完全理解条款，并为借贷带来的责任做好准备。这样，他们就可以享受信用消费的好处，同时将相关风险降到最低。