unused part of credit

简明释义

未使用的贷款部分

英英释义

例句

1.I was surprised to find out that my unused part of credit 未使用的信用额度 was higher than I expected.

我很惊讶发现我的未使用的信用额度比我预期的要高。

2.After reviewing my monthly bills, I realized that I still had an unused part of credit 未使用的信用额度 on my card.

在查看我的月账单后，我意识到我的卡上还有一个未使用的信用额度。

3.Using the unused part of credit 未使用的信用额度 wisely can help improve your credit score.

明智地使用未使用的信用额度可以帮助提高你的信用评分。

4.I called the bank to inquire about the unused part of credit 未使用的信用额度 that I could use for my upcoming vacation.

我打电话给银行询问我可以用于即将到来的假期的未使用的信用额度。

5.The store allows you to apply the unused part of credit 未使用的信用额度 from your previous purchase towards a new item.

这家商店允许你将之前购买的未使用的信用额度用于新商品。

作文

In today's fast-paced world, managing finances effectively is crucial for achieving personal and professional goals. One important aspect of financial management is understanding credit and how it works. Many individuals often overlook the concept of the unused part of credit, which can significantly impact their financial health. The unused part of credit refers to the portion of a credit limit that has not been utilized. For instance, if a person has a credit card with a limit of $5,000 and they have only used $2,000, then the unused part of credit is $3,000. This unused credit can be a valuable resource in times of need.Understanding the unused part of credit is essential for several reasons. Firstly, having a substantial amount of unused credit can improve an individual's credit score. Credit scoring models typically consider the credit utilization ratio, which is the percentage of available credit that is being used. A lower utilization ratio indicates that a person is managing their credit responsibly, which can lead to a higher credit score. Thus, maintaining a healthy unused part of credit can enhance one's overall creditworthiness.Secondly, the unused part of credit can serve as a safety net during emergencies. Life is unpredictable, and unexpected expenses can arise at any moment, such as medical bills or car repairs. Having access to the unused part of credit allows individuals to cover these costs without resorting to high-interest loans or depleting their savings. This financial cushion can provide peace of mind and help avoid potential financial stress.Moreover, utilizing the unused part of credit strategically can also be beneficial for larger purchases. For example, if someone plans to buy a new appliance or take a vacation, they can use their credit card to make the purchase, provided they have enough unused part of credit. By doing so, they can earn rewards points or cash back on their purchases, which can lead to additional savings in the long run. However, it is essential to pay off the balance promptly to avoid interest charges.On the other hand, it is crucial to be aware of the potential pitfalls associated with credit. While the unused part of credit can be advantageous, mismanaging credit can lead to debt accumulation and financial problems. Individuals should avoid the temptation to overspend simply because they have available credit. It is vital to create a budget and stick to it, ensuring that spending remains within one's means.In conclusion, the unused part of credit plays a significant role in financial management. It is not just a number; it represents opportunities for better credit scores, emergency funds, and strategic financial planning. By understanding and effectively managing the unused part of credit, individuals can pave the way toward financial stability and success. Therefore, it is essential to keep track of credit limits and usage, ensuring that the unused part of credit is maximized for future benefits.

在当今快节奏的世界中，有效管理财务对于实现个人和职业目标至关重要。财务管理的一个重要方面是理解信用及其运作方式。许多人往往忽视“未使用的信用部分”这一概念，而这可能会显著影响他们的财务健康。“未使用的信用部分”是指尚未使用的信用额度。例如，如果一个人的信用卡额度为5000美元，而他们只用了2000美元，那么“未使用的信用部分”就是3000美元。这部分未使用的信用在紧急情况下可以成为宝贵的资源。理解“未使用的信用部分”至关重要，原因有几个。首先，拥有大量未使用的信用可以提高个人的信用评分。信用评分模型通常会考虑信用利用率，即所使用的可用信用的百分比。较低的利用率表明一个人正在负责任地管理他们的信用，这可以导致更高的信用评分。因此，保持健康的“未使用的信用部分”可以提升个人的整体信用价值。其次，“未使用的信用部分”可以在紧急情况下作为安全网。生活是不可预测的，意外费用可能随时出现，例如医疗账单或汽车维修。能够使用“未使用的信用部分”使个人能够覆盖这些费用，而无需求助于高利贷或耗尽储蓄。这个财务缓冲可以提供安心，并帮助避免潜在的财务压力。此外，战略性地利用“未使用的信用部分”也对较大购买有益。例如，如果某人计划购买新家电或度假，他们可以使用信用卡进行购买，只要他们有足够的“未使用的信用部分”。通过这样做，他们可以在购买中获得奖励积分或现金返还，从而在长期中节省额外的开支。然而，必须及时偿还余额，以避免产生利息费用。另一方面，必须意识到与信用相关的潜在陷阱。虽然“未使用的信用部分”可能是有利的，但错误管理信用可能导致债务积累和财务问题。个人应避免因可用信用而产生过度消费的诱惑。制定预算并坚持执行至关重要，以确保支出保持在个人的承受范围内。总之，“未使用的信用部分”在财务管理中扮演着重要角色。它不仅仅是一个数字；它代表了更好信用评分、紧急资金和战略财务规划的机会。通过理解和有效管理“未使用的信用部分”，个人可以为财务稳定和成功铺平道路。因此，跟踪信用额度和使用情况至关重要，确保“未使用的信用部分”得到最大化利用，以便未来获益。