credit balance

简明释义

贷方余额

英英释义

例句

1.After paying off my credit card, I noticed a credit balance (信用余额) of $200.

在还清我的信用卡后，我注意到有一个credit balance (信用余额)为200美元。

2.My mobile service provider sent me a text message about my remaining credit balance (信用余额).

我的移动服务提供商给我发了一条短信，告知我剩余的credit balance (信用余额)。

3.The store issued me a refund, which resulted in a credit balance (信用余额) on my account.

商店给我发了退款，这导致我的账户上有一个credit balance (信用余额)。

4.You can use your credit balance (信用余额) to make future purchases without needing to add more funds.

您可以使用您的credit balance (信用余额)进行未来的购买，而无需再添加资金。

5.I checked my bank account and found that my credit balance (信用余额) is higher than I expected.

我查看了我的银行账户，发现我的credit balance (信用余额)比我预期的要高。

作文

In today's financial world, understanding terms like credit balance is essential for anyone managing their finances. A credit balance refers to the amount of money that is available in an account after all transactions have been accounted for. This term is commonly used in banking and accounting, where it indicates that the account holder has a surplus of funds. For instance, if you have a savings account with a credit balance of $1,000, it means you can access this amount without any restrictions. The importance of maintaining a positive credit balance cannot be overstated. It not only provides a sense of financial security but also enhances your creditworthiness. Lenders often look at your credit balance when determining whether to extend credit or loans. A healthy credit balance can lead to better interest rates and terms, which can save you money in the long run.Moreover, having a credit balance can serve as a safety net during emergencies. Unexpected expenses can arise at any time, and having available funds can help you navigate these situations without resorting to high-interest loans or credit cards. This aspect of financial planning emphasizes the need for individuals to regularly monitor their accounts and maintain a sufficient credit balance. On the other hand, a negative credit balance, often referred to as an overdraft, can lead to financial difficulties. When your account reflects a negative balance, it indicates that you have spent more money than you have available. This situation can result in overdraft fees and can negatively impact your credit score. Therefore, it is crucial to keep track of your spending and ensure that your credit balance remains positive.In addition to personal finance, the concept of credit balance is also relevant in business. Companies must manage their accounts receivable and payable effectively to maintain a healthy credit balance. A business with a strong credit balance is in a better position to invest in growth opportunities, pay off debts, and weather economic downturns. Conversely, businesses with poor credit balances may struggle to meet operational costs, leading to potential bankruptcy.In conclusion, the term credit balance is a fundamental concept in both personal and business finance. Understanding how to maintain a positive credit balance is vital for financial health and stability. Individuals and businesses alike should prioritize monitoring their credit balance to ensure they are making sound financial decisions. By doing so, they can secure their financial future and avoid the pitfalls associated with negative balances.

在当今的金融世界中，理解像信用余额这样的术语对任何管理自己财务的人来说都是至关重要的。信用余额是指在所有交易结算后，账户中可用的资金数量。这个术语通常用于银行和会计中，它表示账户持有人有多余的资金。例如，如果您的储蓄账户中有信用余额为1000美元，这意味着您可以在没有任何限制的情况下访问这笔款项。保持积极的信用余额的重要性不容小觑。它不仅提供了财务安全感，还增强了您的信用worthiness。贷方通常会查看您的信用余额来决定是否延长信用或贷款。健康的信用余额可以导致更好的利率和条款，从而在长远中为您节省资金。此外，拥有信用余额可以作为紧急情况的安全网。意外支出可能随时发生，拥有可用资金可以帮助您在不求助于高利贷或信用卡的情况下应对这些情况。这一财务规划的方面强调个人定期监控其账户并保持足够的信用余额的必要性。另一方面，负的信用余额，通常称为透支，可能会导致财务困难。当您的账户显示负余额时，这表明您花费的金额超过了您可用的金额。这种情况可能导致透支费用，并可能对您的信用评分产生负面影响。因此，跟踪支出并确保您的信用余额保持正数至关重要。除了个人财务外，信用余额的概念在商业中也很相关。公司必须有效管理应收账款和应付账款，以维持健康的信用余额。拥有强大信用余额的企业更有能力投资于增长机会、偿还债务以及应对经济衰退。相反，拥有糟糕信用余额的企业可能会在满足运营成本方面遇到困难，导致潜在破产。总之，信用余额这一术语是个人和商业金融中的基本概念。理解如何保持积极的信用余额对财务健康和稳定至关重要。个人和企业都应优先监控其信用余额，以确保他们做出明智的财务决策。通过这样做，他们可以确保自己的财务未来，避免与负余额相关的陷阱。