outstanding amount of credit

简明释义

未偿还的贷款数额

英英释义

例句

1.My credit report listed an outstanding amount of credit 未偿还的信用额度 that I wasn't aware of.

我的信用报告上列出了一个我不知道的未偿还的信用额度。

2.Before applying for a new loan, check your outstanding amount of credit 未偿还的信用额度 to ensure you qualify.

在申请新贷款之前，检查你的未偿还的信用额度以确保你符合资格。

3.The bank sent me a statement showing an outstanding amount of credit 未偿还的信用额度 that I need to pay off.

银行给我发了一份对账单，显示我需要偿还的未偿还的信用额度。

4.The financial advisor recommended paying down the outstanding amount of credit 未偿还的信用额度 to avoid high interest rates.

财务顾问建议偿还未偿还的信用额度以避免高利率。

5.To improve your credit score, it's essential to reduce the outstanding amount of credit 未偿还的信用额度 on your cards.

为了提高你的信用评分，减少你卡上的未偿还的信用额度是至关重要的。

作文

In today's fast-paced world, managing finances is more crucial than ever. One term that often comes up in discussions about credit and loans is the outstanding amount of credit, which refers to the total sum of money that a borrower still owes to a lender. Understanding this concept is essential for anyone looking to maintain a healthy financial status. The outstanding amount of credit can affect an individual's credit score, which in turn influences their ability to secure loans, mortgages, and even rental agreements. When someone takes out a loan or uses a credit card, they enter into an agreement with the lender. This agreement outlines how much money is borrowed and the terms for repayment. Over time, as payments are made, the outstanding amount of credit decreases. However, if payments are missed or only minimum amounts are paid, the outstanding amount of credit can remain high, leading to potential financial difficulties.It is important to regularly monitor one's credit report to keep track of the outstanding amount of credit. Many people are unaware of how their spending habits and payment behaviors can impact their overall financial health. For instance, carrying a high balance on credit cards can lead to increased interest rates and fees, making it even harder to pay down the outstanding amount of credit. To effectively manage the outstanding amount of credit, individuals should create a budget that accounts for all income and expenses. This budgeting process allows borrowers to allocate funds specifically for debt repayment. By prioritizing payments towards the highest interest debts first, borrowers can reduce the outstanding amount of credit more quickly and save money in the long run.Moreover, it is wise to avoid accumulating new debts while trying to pay off existing ones. This can be particularly challenging in a consumer-driven society where instant gratification is often prioritized over long-term financial stability. However, by focusing on reducing the outstanding amount of credit, individuals can enjoy greater financial freedom and peace of mind.In conclusion, understanding the outstanding amount of credit is vital for anyone who wishes to navigate the complexities of personal finance successfully. By staying informed and proactive about debt management, individuals can take control of their financial futures, ensuring that they are not overwhelmed by debt but rather empowered to make sound financial decisions. Keeping the outstanding amount of credit low is not just about being responsible; it is about building a foundation for a stable and prosperous financial life.

在当今快节奏的世界中，管理财务比以往任何时候都更加重要。一个常常出现在有关信用和贷款讨论中的术语是未偿还信用金额，它指的是借款人仍然欠贷方的总金额。理解这个概念对于任何希望保持健康财务状况的人来说都是至关重要的。未偿还信用金额可以影响个人的信用评分，而信用评分又反过来影响他们获得贷款、抵押贷款甚至租赁协议的能力。当某人申请贷款或使用信用卡时，他们与贷方签订了一项协议。该协议概述了借款金额和还款条件。随着时间的推移，随着还款的进行，未偿还信用金额会减少。然而，如果错过了付款或仅支付最低金额，未偿还信用金额可能会保持在高位，导致潜在的财务困难。定期监控个人信用报告以跟踪未偿还信用金额是非常重要的。许多人并不知道他们的消费习惯和还款行为会如何影响他们的整体财务健康。例如，在信用卡上携带高余额可能导致利率和费用增加，使得偿还未偿还信用金额变得更加困难。为了有效管理未偿还信用金额，个人应该制定一个预算，考虑所有收入和支出。这个预算过程使借款人能够专门分配资金用于债务偿还。通过优先偿还利息最高的债务，借款人可以更快地减少未偿还信用金额，并在长远中节省资金。此外，在努力偿还现有债务的同时，避免积累新债务也是明智之举。在一个以消费者驱动的社会中，这可能特别具有挑战性，因为即时满足往往被优先考虑于长期财务稳定。然而，通过专注于减少未偿还信用金额，个人可以享受更大的财务自由和内心的平静。总之，理解未偿还信用金额对任何希望成功驾驭个人财务复杂性的人来说都是至关重要的。通过保持信息灵通并积极进行债务管理，个人可以掌控自己的财务未来，确保自己不会被债务压倒，而是有能力做出明智的财务决策。保持低水平的未偿还信用金额不仅仅是负责任的问题；这是为稳定和繁荣的财务生活奠定基础。