关于信用卡的英语作业

Doyouhaveanycreditcard?Whatdoyouknowaboutit?RETAILCREDITCARDS@_StockCode:0856.HKContentsHowtooperateInsuranceAbuses&LossesAdvabtagesOtherfindingsRiskApopularformofpaymentforin-personandonlinepurchasesAsmallplasticcardissuedtousersasasystemofpayment.Itallowsitsholdertobuygoodsandservicesbasedontheholder'spromisetopayforthesegoodsandservices.Differentfromachargecard:achargecardrequiresthebalancetobepaidinfulleachmonth.[Incontrast,creditcardsallowtheconsumersacontinuingbalanceofdebt,withinterestbeingcharged.Differsfromacashcard,whichcanbeusedlikecurrencybytheownerofthecard.@_StockCode:0856.HKAdvantagesAdvabtagesHowtooperateInsuranceAbuses&LossesRiskOtherfindingsConvenience/Security:canbeusedfordailypurchasesandpaidoffattheendofthemonth;canavoidtheriskofhavingcashstolenCreditRating:boostyourcreditratingifyoualwaysmakeyourpaymentsontimePurchasingPower:allowconsumerstopurchaseexpensiveitemswithouthavingtosaveupthemoney;purchasingpowerisalsohandyinanemergencyOnlinePurchasing:Youcanpayforproductsimmediatelywithyourcard,andmostcardissuersgiveyouprotectionifyouhaveadispute.Rewards/Benefits:somealsoprovidebenefitslikefreetravelinsurance,rentalcarinsurance,andprotectionfortheft,damageorlossofitemspurchasedwiththecard.@_StockCode:0856.HKRiskInsuranceRiskOtherfindingsHowtooperateAdvabtagesAbuses&LossesBlindconsumption:creditcards’overdraftfunctionallowpeopleconsumeinadvance,Peoplewhocan’tself-controlwillfallintodebteasily.unauthorizeduseofthecreditcard:Whenweusecardtopay,ourpersonalinformationmayleakagewhichwillcausethelossofmoney.effectofpersonalcreditRecord：ifpeopleindebtinalongtime,thepersonalcreditrecordswillbeaffectedwhichaffectloanconsequently.@_StockCode:0856.HKAbuses&LossesInsuranceRiskOtherfindingsHowtooperateAdvabtagesAbuses&LossesUsingcreditcardstoextendyourincome,orpayforthingsyoucan'tafford,oruseittopaythedebtofanothercardareanabuseofcreditcards.Cardslave！！！@_StockCode:0856.HKAbuses&LossesExcessiveconsumption过度消费InsuranceRiskOtherfindingsHowtooperateAdvabtagesAbuses&LossesCreditcardfraudcrime信用卡诈骗犯罪usecounterfeitcreditcard使用伪造的信用卡Usethecreditcardinvalid使用作废的信用卡usecreditcardofothers冒用他人信用卡maliciousoverdraw恶意透支@_StockCode:0856.HKInsuranceInsuranceRiskOtherfindingsHowtooperateAdvabtagesAbuses&LossesAsignatureorpasswordprotection（签名或密码保护）Consumeralertmessage（短信消费提醒）24hoursofmonitoringabnormalconsumptionservice、（“24小时异常消费监测”服务）toinformconsumptiondetailsbyE-mail（）ChinaMerchantsBank(招行)insurancemeasuresLostcardfoolproofsecurity（48小时买单）：Thecardholderwholostorcreditcardisstolen,aslongastimelytoreportthelosstothebankandtoperformsimpleformalities（手续）,thelostlossbefore48hourswillbesharedbythebankElse：Thebackgroundtechnologysecurity（后台技术保障）@_StockCode:0856.HKHowtooperateInsuranceRiskOtherfindingsHowtooperateAdvabtagesAbuses&LossesconceptConceptConceptConceptHowdoesacardworkTheuserappliesforcreditThecompanyapprovesordeniestheapplicationIfapproved,aletterandcardaremailedtoyouTheuseractivatesthecardandthenusesitThecompanykeepstrackofhowmuchyouchargeThecompanyappliesinterestandfees(ifany)Theusermakesapaymentwhentheygetthebill@_StockCode:0856.HKOtherfindingsInsuranceRiskOtherfindingsHowtooperateAdvabtagesAbuses&LossesYoushouldplantheprocessofhavingretailcreditcardbecausesometimeittakestime。OnewhoseCreditcarddebtsoverdue（逾期不还）maybepunishedbylaw.Youshouldcomparecarefullybetweendifferentbanks,beforeyoudecidetoapplyforacreditcard.ThanksThanks