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Credit CardGranted to consumers for buying products and services but allowing delayed payment.
Interest Free （Grace） PeriodA length of time the user of a credit card is entitled to credit without having to pay interest assuming prompt monthly payment.
Outstanding BalanceThe amount of debt including interest owing on a credit card
Monthly StatementA document issued on a monthly basis detailing the previous month s transactions, outstanding balance and payment due date.
Credit LimitThe maximum amount of credit a bank or other lender will extend to customers on a single credit card.
Unsecured DebtDebt, which is not guaranteed by collateral, therefore, no assets are committed in case of default.
Cash AdvanceA cash loan taken out on a credit card. Generally cash advances do not have an interest free period. |
信用卡允许客户提前购买产品和服务而后付款。
免息期/宽限期如果每月及时还款，信用卡持有人有权免息使用一定信用额度的期间。
透支金额信用卡上包括利息的负债。
月度报表每月发出的文件，列出上个月的交易，拖欠金额和付款日。
信用额度银行或其他借方允许客户用信用卡透支的最高金额。
未担保债务没有抵押物作为担保的债务，在违约时没有抵押物可以补偿损失。 预提现金信用卡上的现金贷款。通常提前支取现金不享受免息期。 |