over draft

简明释义

超载吃水

英英释义

例句

1.The bank offered me an over draft protection plan for emergencies.

银行为我提供了一项透支保护计划以应对紧急情况。

2.Be careful not to exceed your limit or you'll end up in over draft.

小心不要超过你的限额，否则你会陷入透支。

3.If you go into over draft, you need to repay it quickly to avoid high fees.

如果你进入了透支状态，你需要尽快偿还以避免高额费用。

4.She was surprised to see her bank statement showing an over draft of $500.

她惊讶地看到她的银行对账单显示有透支500美元。

5.I had to pay a fee because my account went into over draft.

我不得不支付一笔费用，因为我的账户进入了透支。

作文

Understanding financial terms is essential for anyone looking to manage their personal finances effectively. One such term that often confuses people is over draft, which refers to a situation where an account holder withdraws more money from their bank account than what is available in it. This action can lead to negative balances, and banks typically charge fees for such transactions. To grasp the implications of over draft, it is important to explore its causes, consequences, and management strategies.Firstly, the causes of over draft can vary widely. It may occur due to unexpected expenses, such as medical bills or car repairs, that arise when least anticipated. Additionally, poor budgeting practices can lead to overspending, resulting in an over draft. Some individuals might not keep track of their account balances regularly, leading to a situation where they assume they have sufficient funds when, in fact, they do not.The consequences of over draft can be quite severe. Banks usually impose hefty fees for each instance of an over draft, which can accumulate quickly if not addressed. For example, a bank might charge a fee of $35 for every transaction that exceeds the account balance. Furthermore, repeated over drafts can negatively impact a person’s credit score, making it more difficult to secure loans or credit in the future. In extreme cases, continuous mismanagement of funds can lead to legal action by the bank, further complicating the individual’s financial situation.To manage the risk of over draft, individuals should adopt several effective strategies. Firstly, maintaining a budget is crucial. By tracking income and expenses, one can gain a clear understanding of their financial situation and avoid unnecessary spending. Secondly, setting up alerts for low balances can help account holders stay informed about their funds, prompting them to refrain from making additional withdrawals if their balance is running low.Another effective strategy is to link a savings account to the checking account. Many banks offer overdraft protection services that automatically transfer funds from a linked savings account to cover any shortfalls. While this may incur a fee, it is often less than the fees associated with an over draft. Additionally, some banks provide options for overdraft lines of credit, allowing account holders to borrow small amounts to cover temporary shortfalls without incurring excessive fees.In conclusion, understanding the concept of over draft is vital for effective financial management. By recognizing the causes and consequences associated with over draft, individuals can take proactive steps to prevent it from occurring. Implementing sound budgeting practices, setting up alerts, and considering overdraft protection options can significantly mitigate the risks involved. Ultimately, being informed and prepared can lead to better financial health and stability, ensuring that individuals can navigate their finances with greater confidence and security.

理解财务术语对于任何希望有效管理个人财务的人来说都是至关重要的。其中一个常常让人困惑的术语是透支，它指的是账户持有人从银行账户中提取超过可用余额的钱。这种行为可能导致负余额，银行通常会对这种交易收取费用。为了掌握透支的影响，了解其原因、后果和管理策略是很重要的。首先，透支的原因可以有很多。它可能发生在意外开支出现时，例如医疗账单或汽车维修费，这些费用往往在最不预期的时候出现。此外，糟糕的预算实践也可能导致超支，从而导致透支。一些个人可能不会定期跟踪他们的账户余额，导致他们误以为自己有足够的资金，而实际上并没有。透支的后果可能相当严重。银行通常会对每次透支收取高额费用，如果不加以解决，这些费用会迅速累积。例如，银行可能会对每一笔超过账户余额的交易收取35美元的费用。此外，频繁的透支可能会对个人的信用评分产生负面影响，使得将来更难获得贷款或信用。在极端情况下，持续的资金管理不善可能导致银行采取法律行动，进一步复杂化个人的财务状况。为了管理透支的风险，个人应该采取几种有效的策略。首先，保持预算是至关重要的。通过跟踪收入和支出，人们可以清楚地了解他们的财务状况，避免不必要的支出。其次，为低余额设置提醒可以帮助账户持有人随时了解他们的资金状况，促使他们在余额较低时避免进行额外提款。另一种有效的策略是将储蓄账户与支票账户关联。许多银行提供透支保护服务，可以自动将资金从关联的储蓄账户转移，以覆盖任何短缺。虽然这可能会产生费用，但通常比与透支相关的费用要少。此外，一些银行提供透支信用额度的选项，允许账户持有人借用小额资金以覆盖暂时的短缺，而不会产生过高的费用。总之，理解透支的概念对于有效的财务管理至关重要。通过认识到与透支相关的原因和后果，个人可以采取主动措施防止其发生。实施合理的预算实践、设置提醒以及考虑透支保护选项都可以显著降低相关风险。最终，了解和准备可以带来更好的财务健康和稳定，确保个人能够更加自信和安全地管理他们的财务。