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【速搜问答】信用卡是什么

问答 admin 1个月前 (04-22) 60次浏览 已收录 0个评论

汉英对照:
Chinese-English Translation:

信用卡又叫贷记卡,是由商业银行或信用卡公司对信用合格的消费者发行的信用证明。其形式是一张正面印有发卡银行名称、有效期、号码、持卡人姓名等内容,背面有磁条、签名条的卡片。

Credit card, also known as credit card, is a credit certificate issued by commercial banks or credit card companies to consumers with qualified credit. The form is a card with the name of the issuing bank, validity period, number, name of the cardholder and other contents printed on the front and magnetic strip and signature strip printed on the back.

信用卡又叫贷记卡,是由商业银行或信用卡公司对信用合格的消费者发行的信用证明。其形式是一张正面印有发卡银行名称、有效期、号码、持卡人姓名等内容,背面有磁条、签名条的卡片。持有信用卡的消费者可以到特约商业服务部门购物或消费,再由银行同商户和持卡人进行结算,持卡人可以在规定额度内透支。

Credit card, also known as credit card, is a credit certificate issued by commercial banks or credit card companies to consumers with qualified credit. The form is a card with the name of the issuing bank, validity period, number, name of the cardholder and other contents printed on the front and magnetic strip and signature strip printed on the back. Consumers with credit cards can go to the special commercial service department for shopping or consumption, and then the bank will settle accounts with merchants and cardholders, who can overdraw within the specified limit.

我国有关法律(《全国人民代表大会常务委员会关于<中华人民共和国刑法>有关信用卡规定的解释》)规定的信用卡,是指由商业银行或者其他金融机构发行的具有消费支付、信用贷款、转账结算、存取现金等全部功能或者部分功能的电子支付卡 。2017 年 12 月 1 日,《公共服务领域英文译写规范》正式实施,规定信用卡标准英文名为 Credit Card。

The credit card stipulated in the relevant laws of China (the interpretation of the Standing Committee of the National People’s Congress on the provisions of the criminal law of the people’s Republic of China on credit card) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumption payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. On December 1, 2017, the specification for English translation and writing in the field of public services was officially implemented, which stipulates that the standard English name of credit card is credit card.

信用卡一般是长 85.60 毫米、宽 53.98 毫米、厚 1 毫米的的特制载体塑料卡片,正面印有发卡机构名称、有效期、号码、持卡人姓名等内容,背面有芯片、磁条、签名条。持卡人可以凭信用卡向特约单位购物、消费和向银行存取现金。

Generally, credit card is a special carrier plastic card with length of 85.60mm, width of 53.98mm and thickness of 1mm, with the name of the issuer, expiry date, number, name of the cardholder and other contents printed on the front, and chip, magnetic strip and signature strip on the back. The cardholder can use the credit card to purchase, consume and deposit cash with the bank.

信用卡消费是一种非现金交易付款的方式,消费时无须支付现金,待账单日(Billing Date)时再进行还款。

Credit card consumption is a kind of non cash transaction payment method. It is not necessary to pay cash when consuming, but to repay when the bill date.

信用卡分为贷记卡和准贷记卡,贷记卡是指持卡人拥有一定的信用额度、可在信用额度内先消费后还款的信用卡;准贷记卡是指持卡人按要求交存一定金额的备用金,当备用金账户余额不足支付时,可在规定的信用额度内透支的准贷记卡。所说的信用卡,一般单指贷记卡。

The credit card is divided into credit card and quasi credit card. The credit card refers to the credit card that the cardholder has a certain credit limit and can consume before repayment within the credit limit. The quasi credit card refers to the quasi credit card that the cardholder deposits a certain amount of petty cash according to the requirements. When the balance of the petty cash account is insufficient to pay, it can overdraw within the specified credit limit. The credit card generally refers to the credit card alone.


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