Bounced cheque

简明释义

空头支票

英英释义

例句

1.I was embarrassed when my landlord informed me that my rent payment was a bounced cheque.

当我的房东告诉我我的租金支付是一个退票支票时，我感到很尴尬。

2.He learned the hard way that writing a bounced cheque can damage his credit score.

他通过艰难的方式了解到，开具一张退票支票会损害他的信用评分。

3.My friend had to pay a fee because his bounced cheque resulted in overdraft charges.

我的朋友不得不支付费用，因为他的退票支票导致了透支费用。

4.The store manager refused to accept my payment because it was a bounced cheque.

商店经理拒绝接受我的付款，因为它是一张退票支票。

5.After receiving a notice about the bounced cheque, I immediately contacted my bank.

在收到关于退票支票的通知后，我立即联系了我的银行。

作文

In today's financial world, understanding various terms is crucial for managing personal finances effectively. One such term that often comes up is Bounced cheque, which refers to a cheque that cannot be processed because the account holder has insufficient funds in their bank account. When a Bounced cheque is presented to the bank for payment, the bank will reject it and return it to the payee, often accompanied by a fee. This situation can lead to significant consequences for both the issuer of the cheque and the recipient. To illustrate the implications of a Bounced cheque, let’s consider a hypothetical scenario. Imagine a small business owner named Sarah who runs a local bakery. One day, she decides to purchase new baking equipment from a supplier and writes a cheque for $1,500. However, due to unexpected expenses earlier in the month, her bank account balance falls below this amount. When the supplier goes to cash the cheque, it is returned marked as a Bounced cheque. The immediate impact on Sarah’s business is twofold. First, the supplier is left without payment, which may strain their relationship with Sarah. Suppliers rely on timely payments to maintain their own operations, and a Bounced cheque can damage trust. Second, Sarah’s bank charges her a fee for the Bounced cheque, which can further exacerbate her financial situation. These fees can vary but are typically around $30 to $40 per incident. Moreover, the repercussions of a Bounced cheque extend beyond just financial penalties. If Sarah continues to issue cheques without sufficient funds, she risks being reported to credit agencies, which can negatively affect her credit score. A poor credit score can make it challenging to secure loans or favorable interest rates in the future. To avoid the pitfalls associated with Bounced cheques, individuals and businesses should take proactive measures. One effective strategy is to regularly monitor bank account balances and keep a detailed record of all transactions. This practice helps ensure that there are sufficient funds available before issuing a cheque. Additionally, utilizing online banking tools can provide real-time updates on account activity, making it easier to manage finances. Another option is to consider alternative payment methods, such as electronic transfers or debit cards, which do not carry the same risk of bouncing due to insufficient funds. By using these alternatives, individuals can enhance their financial management and reduce the chances of encountering a Bounced cheque. In conclusion, understanding the concept of a Bounced cheque is essential for anyone involved in financial transactions. The consequences of a Bounced cheque can be far-reaching, affecting relationships, incurring fees, and damaging credit scores. By staying informed and adopting sound financial practices, individuals can avoid the complications associated with Bounced cheques and maintain better control over their financial health.

在当今金融世界中，理解各种术语对于有效管理个人财务至关重要。其中一个常常出现的术语是退票，指的是由于账户持有者在银行账户中资金不足而无法处理的支票。当一张退票被提交给银行支付时，银行将拒绝该支票并将其退还给收款人，通常还会附带一笔费用。这种情况可能会对支票的开具者和接收者都产生重大后果。为了说明退票的影响，我们来考虑一个假设的场景。想象一下，一个名叫莎拉的小企业主，她经营着一家本地面包店。一天，她决定从供应商那里购买新的烘焙设备，并开出一张1500美元的支票。然而，由于本月早些时候意外的开支，她的银行账户余额低于此金额。当供应商去兑现支票时，它被退回并标记为退票。这对莎拉的业务产生了双重影响。首先，供应商没有收到付款，这可能会使他们与莎拉的关系紧张。供应商依赖及时付款来维持自己的运营，而退票可能会损害信任。其次，莎拉的银行会因退票向她收取费用，这可能会进一步加剧她的财务状况。这些费用可能会有所不同，但通常每次事件约为30到40美元。此外，退票的后果不仅限于财务处罚。如果莎拉继续在资金不足的情况下开具支票，她有可能被报告给信用机构，这可能会对她的信用评分产生负面影响。较差的信用评分可能会使未来获得贷款或优惠利率变得困难。为了避免与退票相关的陷阱，个人和企业应采取积极措施。一种有效的策略是定期监控银行账户余额，并详细记录所有交易。这种做法有助于确保在开具支票之前有足够的资金。此外，利用在线银行工具可以提供实时的账户活动更新，使财务管理更加轻松。另一种选择是考虑替代支付方式，例如电子转账或借记卡，这些方式不具有因资金不足而导致退票的风险。通过使用这些替代方案，个人可以增强财务管理，减少遇到退票的机会。总之，理解退票的概念对于任何参与财务交易的人来说都是至关重要的。退票的后果可能会影响关系、产生费用并损害信用评分。通过保持信息灵通并采取合理的财务实践，个人可以避免与退票相关的复杂问题，更好地控制自己的财务健康。