credit line; limit of credit; line of credit

简明释义

信用额度,信用限额

英英释义

例句

1.He was relieved to find out that his line of credit 信用额度 was sufficient for the emergency expenses.

他松了一口气，发现他的信用额度足够应对紧急开支。

2.They offered her a limit of credit 信用限额 that she could use for her business expenses.

他们为她提供了一个可以用于商业开支的信用限额。

3.She checked her credit line 信用额度 before making a large purchase.

在进行大额购买之前，她查看了自己的信用额度。

4.The bank increased his limit of credit 信用限额 after reviewing his financial history.

银行在审查他的财务记录后，提高了他的信用限额。

5.Applying for a higher credit line 信用额度 can help improve your credit score if managed wisely.

如果管理得当，申请更高的信用额度可以帮助提高你的信用评分。

作文

Understanding financial terms is crucial for anyone looking to manage their personal finances effectively. One such term that often comes up in discussions about credit and loans is the credit line (信用额度). A credit line is a preset amount of money that a lender agrees to lend to a borrower, allowing them to draw on it as needed. This flexibility can be beneficial for individuals or businesses who may need to cover unexpected expenses or manage cash flow. Another related term is the limit of credit (信用限额), which refers to the maximum amount of credit that a lender is willing to extend to a borrower. This limit is determined based on various factors, including the borrower’s credit history, income, and overall financial situation. Understanding your limit of credit is essential because it helps you avoid overspending and accumulating debt that you may struggle to repay.A line of credit (信用额度) is similar to a credit line, but it typically refers to a specific type of loan arrangement where the borrower can withdraw funds up to a certain limit at any time. This can be particularly useful for individuals who have fluctuating expenses or need quick access to cash. For example, a business might use a line of credit to purchase inventory when sales are high and pay it back when cash flow is more stable.When applying for a credit line, it is important to consider the interest rates and fees associated with borrowing. Some lenders may offer introductory rates that are lower initially but can increase significantly after a certain period. Additionally, borrowers should be aware of any annual fees that may come with maintaining a line of credit.In summary, understanding the concepts of credit line, limit of credit, and line of credit is vital for effective financial management. These tools can provide flexibility and support during times of need, but they also come with responsibilities. Borrowers must be diligent in managing their debts and ensuring they do not exceed their limit of credit. By doing so, they can maintain a healthy financial status and avoid falling into the trap of excessive debt.

理解金融术语对任何希望有效管理个人财务的人来说都是至关重要的。其中一个常常在关于信用和贷款的讨论中出现的术语是信用额度。信用额度是贷方同意借给借款人的预设金额，允许他们根据需要提取。这种灵活性对于可能需要覆盖意外费用或管理现金流的个人或企业来说是有益的。 另一个相关术语是信用限额，它指的是贷方愿意向借款人提供的最大信用额度。这个限额是根据多种因素来确定的，包括借款人的信用历史、收入和整体财务状况。了解你的信用限额是至关重要的，因为它帮助你避免过度消费和积累你可能难以偿还的债务。信用额度类似于信用额度，但它通常指的是一种特定类型的贷款安排，借款人可以随时提取资金，直到达到某个限额。这对于有波动性支出的个人来说尤其有用，或者需要快速获得现金的人。例如，一家公司可能会利用信用额度在销售高峰期购买库存，并在现金流更稳定时偿还。在申请信用额度时，考虑与借款相关的利率和费用是很重要的。一些贷方可能会提供初始利率，这些利率起初较低，但在某个时期后可能会显著增加。此外，借款人应注意维护信用额度可能产生的任何年度费用。总之，理解信用额度、信用限额和信用额度的概念对于有效的财务管理至关重要。这些工具可以在需要时提供灵活性和支持，但它们也伴随着责任。借款人必须在管理债务方面保持谨慎，确保不超过他们的信用限额。通过这样做，他们可以保持健康的财务状况，避免陷入过度债务的陷阱。