article bought on credit

简明释义

赊购的物品

英英释义

例句

1.After reviewing my finances, I decided against buying the sofa as an article bought on credit.

在审查我的财务状况后，我决定不把沙发作为赊账购买的物品。

2.The store allows customers to return any article bought on credit within 30 days.

商店允许顾客在30天内退回任何赊账购买的物品。

3.I regret the article bought on credit because the interest rates were too high.

我后悔购买了这件赊账购买的物品，因为利率太高。

4.I purchased a new laptop as an article bought on credit to help with my studies.

我购买了一台新笔记本电脑作为赊账购买的物品来帮助我的学习。

5.When you buy an article bought on credit, make sure to read the terms carefully.

当你购买赊账购买的物品时，务必仔细阅读条款。

作文

In today's consumer-driven society, many people find themselves purchasing items that they may not be able to afford outright. This often leads to the use of credit, which allows individuals to buy goods and services without having to pay for them immediately. One common example of this is an article bought on credit, which refers to any item that a consumer acquires by borrowing money from a lender or using a credit card. Understanding how this system works is essential for anyone looking to manage their finances responsibly.When someone decides to buy an article bought on credit, they essentially enter into an agreement with a financial institution. This agreement typically involves paying back the borrowed amount over time, usually with added interest. For instance, if a person buys a new television for $1,000 using a credit card, they might only pay a small percentage of that amount upfront. The remaining balance will accrue interest until it is fully paid off. This can create a cycle of debt if not managed properly, as the individual may continue to purchase more items on credit without realizing the financial strain it can cause.There are several advantages to purchasing an article bought on credit. First, it allows consumers to obtain products that they need or want immediately, even if they do not have the full cash amount available at that moment. This can be particularly useful in emergencies, such as when a household appliance breaks down unexpectedly. Additionally, using credit responsibly can help build a positive credit history, which is crucial for future financial endeavors, such as buying a house or securing a loan.However, there are also significant risks associated with buying items on credit. One of the most pressing concerns is the potential for accumulating high levels of debt. If a consumer continually purchases articles bought on credit without a clear plan for repayment, they may find themselves struggling to meet their financial obligations. This can lead to missed payments, increased interest rates, and even damage to their credit score, making it harder to borrow money in the future.To mitigate these risks, it is essential for consumers to develop a budget that includes their credit purchases. Keeping track of what has been bought on credit and ensuring that there is a plan in place for repayment can help avoid falling into a debt trap. Moreover, individuals should be cautious about the total amount of credit they use and strive to live within their means. It is advisable to only purchase articles bought on credit that are necessary or that one can afford to pay off quickly to minimize interest charges.In conclusion, while buying articles bought on credit can provide immediate gratification and convenience, it is crucial to approach this practice with caution. By understanding the implications of credit purchases and managing them wisely, consumers can enjoy the benefits of credit without succumbing to its pitfalls. Financial literacy and responsible spending are key components in maintaining a healthy relationship with credit and ensuring long-term financial stability.

在当今以消费者为导向的社会，许多人发现自己购买的物品可能无法立即负担。这常常导致使用信用，这使个人能够在不必立即支付的情况下购买商品和服务。一个常见的例子是赊购的商品，指的是消费者通过向贷方借款或使用信用卡获取的任何物品。理解这个系统的运作方式对于任何希望负责任地管理财务的人来说都是至关重要的。当某人决定购买一件赊购的商品时，他们基本上是在与金融机构达成协议。该协议通常涉及在一段时间内偿还借入的金额，通常会附加利息。例如，如果一个人使用信用卡购买了一台价值1000美元的新电视，他们可能只需支付该金额的一小部分。剩余的余额将随着时间的推移而产生利息，直到全部还清。如果没有妥善管理，这可能会造成债务循环，因为个人可能会继续在信用上购买更多商品，而没有意识到这可能造成的财务压力。购买赊购的商品有几个优点。首先，它允许消费者立即获得他们需要或想要的产品，即使他们当时没有全额现金。这在紧急情况下尤其有用，例如当家用电器意外损坏时。此外，负责任地使用信用可以帮助建立积极的信用历史，这对未来的财务事务至关重要，例如购买房屋或获得贷款。然而，购买信用商品也存在重大风险。其中一个最紧迫的问题是积累高额债务的潜力。如果消费者不断购买赊购的商品而没有明确的还款计划，他们可能会发现自己难以满足财务义务。这可能导致错过付款、利率上升，甚至损害他们的信用评分，使将来更难借款。为了降低这些风险，消费者必须制定包括信用购买的预算。跟踪已经赊购的商品，并确保有还款计划，可以帮助避免陷入债务陷阱。此外，个人应谨慎对待所使用的信用总额，并努力在经济能力范围内生活。建议仅购买必要或可以快速偿还的赊购的商品以尽量减少利息费用。总之，虽然购买赊购的商品可以提供即时满足和便利，但以谨慎的态度对待这一做法至关重要。通过理解信用购买的影响并明智地管理它们，消费者可以享受信用的好处，而不至于陷入其陷阱。金融素养和负责任的消费是维持健康信用关系和确保长期财务稳定的关键组成部分。