over draft

简明释义

超过许可吃水超载吃水

英英释义

例句

1.If you go into over draft 透支, make sure to pay it back quickly to avoid extra fees.

如果你发生了over draft 透支，一定要尽快还清以避免额外费用。

2.I received a notification from my bank that I have an over draft 透支 on my account.

我收到了银行的通知，告诉我我的账户有一个over draft 透支。

3.My bank allows me to have a small over draft 透支 limit for emergencies.

我的银行允许我在紧急情况下有一个小的over draft 透支额度。

4.He didn't realize he had gone into over draft 透支 until he checked his balance.

他直到查看余额时才意识到自己已经发生了over draft 透支。

5.She was surprised to see an over draft 透支 fee charged to her account.

她惊讶地发现她的账户被收取了一个over draft 透支费用。

作文

Understanding financial terms is crucial for anyone who wants to manage their money effectively. One such term that often comes up is over draft. An over draft occurs when a bank account balance goes below zero, meaning that the account holder has spent more money than they actually have in their account. This can be a useful tool for managing short-term cash flow issues, but it also comes with its risks and costs. When a person opts for an over draft, they essentially borrow money from the bank, which must be paid back. Most banks charge interest on the amount overdrawn, and there may also be additional fees involved. For instance, if you have an over draft protection plan, your bank may cover the cost of transactions that exceed your available balance, but this service often comes with a fee. It is important to monitor your spending closely to avoid falling into the trap of relying too heavily on an over draft. Many people find themselves in a cycle of debt because they frequently go into over draft without realizing how quickly the fees can accumulate. To illustrate, consider a scenario where someone has a monthly income of $3,000 but spends $3,500. If they rely on an over draft to cover the extra $500, they may face a $35 fee for the transaction, plus interest on the borrowed amount. Over time, these charges can add up significantly, leading to financial strain. To avoid the pitfalls of an over draft, it's essential to maintain a budget that accounts for all income and expenses. Keeping track of your spending habits can help ensure that you do not exceed your account balance. Additionally, setting up alerts through your banking app can notify you when your balance is low, allowing you to take action before going into over draft. In conclusion, while an over draft can provide a temporary solution to cash flow problems, it is vital to use it wisely and sparingly. Understanding the implications of going into over draft will empower individuals to make informed financial decisions. By maintaining a budget, monitoring expenses, and being aware of the fees associated with over draft accounts, one can avoid the potential pitfalls of this financial tool and achieve greater financial stability. In summary, the term over draft refers to a situation where an individual spends more money than they have in their bank account, leading to a negative balance. While it can be a helpful resource in times of need, it is essential to understand the costs and risks involved. Proper management of finances and awareness of spending patterns can help individuals avoid the complications that come with an over draft and lead to a healthier financial future.

理解金融术语对于任何想要有效管理自己财务的人来说都是至关重要的。一个常常出现的术语是透支。当银行账户余额低于零时，意味着账户持有人花费的金额超过了他们实际账户中的资金，这就是透支。这可以成为管理短期现金流问题的有用工具，但它也伴随着风险和费用。当一个人选择透支时，他们实际上是在向银行借钱，这笔钱必须偿还。大多数银行会对透支金额收取利息，并且可能还有额外的费用。例如，如果你有一个透支保护计划，你的银行可能会覆盖超出可用余额的交易费用，但这项服务通常会收取费用。密切监控你的支出以避免过度依赖透支是非常重要的。许多人发现自己陷入债务循环，因为他们经常在没有意识到费用迅速累积的情况下进入透支。举个例子，假设某人的月收入为3000美元，但支出为3500美元。如果他们依赖透支来弥补额外的500美元，他们可能会面临35美元的交易费用，以及借款金额的利息。随着时间的推移，这些费用可能会显著增加，导致财务压力。为了避免透支的陷阱，保持一个考虑所有收入和支出的预算是至关重要的。跟踪你的消费习惯可以帮助确保你不会超过账户余额。此外，通过银行应用程序设置警报可以在余额低时通知你，让你在进入透支之前采取行动。总之，尽管透支可以为现金流问题提供临时解决方案，但明智和节制地使用它是至关重要的。了解进入透支的影响将使个人能够做出明智的财务决策。通过维持预算、监控支出以及了解与透支账户相关的费用，人们可以避免与这一金融工具相关的潜在陷阱，实现更大的财务稳定。总之，术语透支指的是个人支出超过其银行账户中资金的情况，导致负余额。虽然在需要时它可以成为有用的资源，但理解相关的成本和风险是至关重要的。适当管理财务和意识到支出模式可以帮助个人避免与透支相关的复杂问题，迈向更健康的财务未来。