used credit

简明释义

已使用的贷款

英英释义

例句

1.After checking my statement, I realized that my used credit 已使用的信用额度 was higher than I thought.

查看账单后，我意识到我的已使用的信用额度比我想象的要高。

2.Be careful not to exceed your used credit 已使用的信用额度, or you might incur extra fees.

小心不要超过你的已使用的信用额度，否则你可能会产生额外费用。

3.I often check my used credit 已使用的信用额度 to avoid overspending.

我经常检查我的已使用的信用额度以避免超支。

4.I have a good amount of used credit 已使用的信用额度 on my card, which helps me manage my expenses.

我的信用卡上有相当多的已使用的信用额度，这帮助我管理开支。

5.Understanding how much used credit 已使用的信用额度 you have can help you plan your budget better.

了解你有多少已使用的信用额度可以帮助你更好地规划预算。

作文

In today's world, the concept of credit plays a crucial role in our financial lives. One particularly important aspect of this is the idea of used credit, which refers to the amount of credit that has already been utilized by an individual or a business. Understanding how used credit works can help individuals manage their finances more effectively and make informed decisions about borrowing and spending.When we talk about used credit, we often refer to it in the context of credit cards and loans. For example, if someone has a credit card with a limit of $5,000 and they have spent $2,000 on it, their used credit would be $2,000. This figure is essential because it directly affects the individual's credit utilization ratio, which is a significant factor in determining one’s credit score.Credit scores are vital for obtaining loans, mortgages, and even renting apartments. Lenders analyze a person's credit score to assess their risk as a borrower. A high level of used credit relative to the total credit available can indicate potential financial trouble, as it suggests that the individual may be relying too heavily on borrowed funds. Therefore, maintaining a low credit utilization ratio is advisable; experts recommend keeping it below 30%.Moreover, managing used credit wisely can lead to a better credit score over time. For instance, if an individual consistently pays off their credit card balance each month, they will not only avoid interest charges but also demonstrate responsible credit behavior. This positive behavior can lead to an increase in credit limits, which in turn can improve their credit utilization ratio if they do not increase their spending proportionately.On the other hand, mismanaging used credit can lead to severe consequences. If someone continuously maxes out their credit cards and fails to make timely payments, they may find themselves in a cycle of debt that is hard to escape. High used credit levels can lead to missed payments, which further damages credit scores and makes it difficult to secure future loans. It is crucial to keep track of how much credit is being used and to create a budget that allows for responsible spending.In conclusion, understanding used credit is essential for anyone looking to navigate the complexities of personal finance. By being aware of how much credit is being utilized and striving to maintain a healthy credit utilization ratio, individuals can build a solid credit history that will benefit them in the long run. Whether it's applying for a new credit card, buying a car, or purchasing a home, having a good grasp of used credit can make all the difference in achieving financial stability and success.

在当今世界，信用的概念在我们的财务生活中扮演着至关重要的角色。其中一个特别重要的方面是已使用信用的概念，它指的是个人或企业已经使用的信用额度。理解已使用信用如何运作，可以帮助个人更有效地管理财务，并就借贷和消费做出明智的决策。当我们谈论已使用信用时，通常是在信用卡和贷款的背景下。例如，如果某人的信用卡额度为5000美元，而他们已经消费了2000美元，那么他们的已使用信用就是2000美元。这个数字是至关重要的，因为它直接影响个人的信用利用率，而信用利用率是决定一个人信用评分的重要因素。信用评分对于获得贷款、抵押贷款甚至租房都是至关重要的。贷方会分析个人的信用评分，以评估他们作为借款人的风险。相对于可用信用总额而言，高水平的已使用信用可能表明潜在的财务问题，因为这表明个人可能过于依赖借款资金。因此，保持低的信用利用率是明智的；专家建议将其保持在30%以下。此外，明智地管理已使用信用可以随着时间的推移改善信用评分。例如，如果个人每月都能按时还清信用卡余额，他们不仅可以避免利息费用，还可以展示负责任的信用行为。这种积极的行为可以导致信用额度的增加，反过来，如果他们不相应增加消费，这也可以改善他们的信用利用率。另一方面，错误管理已使用信用可能导致严重后果。如果某人不断透支他们的信用卡并未能按时付款，他们可能会发现自己陷入难以摆脱的债务循环中。高水平的已使用信用可能导致错过付款，这进一步损害信用评分，使得未来贷款变得困难。因此，跟踪自己使用了多少信用，并制定允许负责任消费的预算至关重要。总之，理解已使用信用对于任何希望驾驭个人财务复杂性的人来说都是必不可少的。通过意识到自己正在使用多少信用，并努力保持健康的信用利用率，个人可以建立良好的信用历史，从而在长期内受益。无论是申请新的信用卡、购买汽车还是购房，对已使用信用有良好的掌握都可以在实现财务稳定和成功方面发挥重要作用。