balance of a credit account

简明释义

信贷帐上结余额

英英释义

例句

1.Before making a large purchase, I checked the balance of a credit account to ensure I could afford it.

在进行大额购买之前，我查看了信用账户的余额以确保我能承担得起。

2.At the end of the month, I review the balance of a credit account to see if I need to make any payments.

在月底，我会查看一下信用账户的余额，看看是否需要进行任何付款。

3.The bank sent me an email alerting me about the low balance of a credit account.

银行给我发了一封电子邮件，提醒我信用账户的余额不足。

4.When applying for a loan, they asked for the balance of a credit account to assess my creditworthiness.

在申请贷款时，他们询问了我的信用账户的余额以评估我的信用状况。

5.I always keep track of the balance of a credit account to avoid overspending.

我总是关注信用账户的余额以避免超支。

作文

In today's financial landscape, understanding the concept of the balance of a credit account is crucial for managing personal finances effectively. A credit account allows individuals to borrow money up to a certain limit, which must be paid back over time, often with interest. The balance of a credit account refers to the amount of money owed on this account at any given time. This balance can fluctuate based on purchases made, payments received, and any interest accrued. For many people, credit accounts are a convenient way to make purchases without having to pay upfront. However, it is essential to keep track of the balance of a credit account to avoid falling into debt. When an individual uses a credit card, for instance, they are essentially borrowing funds from the credit issuer. Each time a purchase is made, the balance of a credit account increases, and when payments are made, the balance decreases. Maintaining a healthy balance of a credit account is vital for a good credit score. Credit scores are calculated based on various factors, including payment history, the amount of debt owed, and the length of credit history. If the balance of a credit account is consistently high relative to the credit limit, it can negatively impact the credit score. Therefore, individuals should aim to keep their credit utilization ratio below 30%. Another important aspect of managing the balance of a credit account is being aware of interest rates. Credit accounts often come with varying interest rates, which can significantly affect the total amount owed. If an individual only makes the minimum payment each month, they may find that the balance of a credit account decreases very slowly due to high interest charges. This can lead to a cycle of debt that is difficult to escape. To effectively manage the balance of a credit account, individuals should create a budget that includes all sources of income and expenses. By doing so, they can allocate funds toward paying down the credit account balance while still covering other necessary expenses. Additionally, setting up automatic payments can help ensure that payments are made on time, thereby reducing the risk of late fees and additional interest charges. In conclusion, the balance of a credit account is a critical factor in personal finance management. Understanding how it works and the implications of maintaining a healthy balance can help individuals avoid debt and improve their overall financial health. By keeping track of spending, making timely payments, and being mindful of interest rates, anyone can take control of their credit accounts and work towards financial stability. Ultimately, knowledge is power when it comes to managing the balance of a credit account. With careful planning and responsible use of credit, individuals can enjoy the benefits of credit accounts without the burden of overwhelming debt.

在当今的金融环境中，理解信用账户余额的概念对于有效管理个人财务至关重要。信用账户允许个人在一定限额内借款，这些款项必须随着时间的推移偿还，通常还需支付利息。信用账户余额指的是在任何给定时间内该账户所欠款项的金额。这个余额可能会根据购买、收到的付款以及产生的利息而波动。对许多人来说，信用账户是一种方便的方式，可以在不需要提前支付的情况下进行购买。然而，跟踪信用账户余额以避免陷入债务是至关重要的。例如，当个人使用信用卡时，他们实际上是在从信用发卡机构借款。每次进行购买时，信用账户余额就会增加，而当进行付款时，余额就会减少。保持健康的信用账户余额对良好的信用评分至关重要。信用评分是基于多种因素计算的，包括还款历史、所欠债务金额和信用历史的长度。如果信用账户余额相对于信用限额持续较高，可能会对信用评分产生负面影响。因此，个人应努力将他们的信用利用率保持在30%以下。管理信用账户余额的另一个重要方面是了解利率。信用账户通常伴随有不同的利率，这可能会显著影响所欠总额。如果个人每月仅支付最低付款，他们可能会发现由于高额利息费用，信用账户余额减少得非常缓慢。这可能导致难以摆脱的债务循环。为了有效管理信用账户余额，个人应制定包括所有收入和支出的预算。通过这样做，他们可以分配资金来偿还信用账户余额，同时仍然覆盖其他必要支出。此外，设置自动付款可以帮助确保及时付款，从而减少滞纳金和额外利息费用的风险。总之，信用账户余额是个人财务管理中的一个关键因素。理解其运作方式及维持健康余额的意义，可以帮助个人避免债务并改善整体财务健康。通过跟踪支出、按时付款以及关注利率，任何人都可以掌控他们的信用账户，并朝着财务稳定的方向努力。最终，知识就是管理信用账户余额的力量。通过仔细规划和负责任地使用信用，个人可以享受信用账户的好处，而不必承受压倒性的债务负担。