商务英语必备1000字 Unit2

　   balance transfer
馀额代偿
Katherine made a balance transfer from her old credit card to her new one.
凯萨琳申办新卡代偿旧卡。
cancel
v. 停（卡）
What happens if I want to cancel my card?
如果我想停卡该怎么办？
cash card
现金卡
What do I need in order to apply for a cash card?
申办现金卡我需要准备些什么？
collateral¹
n. 抵押品；担保品
Without collateral, Mr. Thomas wasn't able to get a loan.
由于没担保品，汤玛斯先生的贷款办不下来。
credit card
信用卡
I need to report a stolen credit card.
我要报信用卡失窃。
credit limit
信用额度
Be care of outrageous² credit limits, which may lead to uncontrollable spending.
要小心信用额度别订得太高，这可能会导致花费无度。
credit rating
信用评等
Bob's poor repayment³ history has really hurt his credit rating.
巴柏不良的还款记录对他的信用评等造成很大的伤害。
debit⁴ card
签帐卡
You can use this debit card almost anywhere in the world.
这张签帐卡你几乎全世界任何地方都可使用。
debt consolidation⁵
负债整合
Before you consider debt consolidation, closely examine the proposal.
在考虑负债整合之前，要仔细检视其还款方桉。
default
n. 违约
The company is in default on its loan agreement.
该公司违反其贷款合约。
freeze
v. 冻结（帐户）
The bank froze my credit card account after I reported it stolen.
在我报失信用卡后，银行冻结了我的信用卡户头。
installment⁶
n. 分期付款
Penny will pay off her student loans in 60 installments⁷.
潘妮将分六十期偿还她的助学贷款。
loan
n. 贷款
I confirm that I have read and understood the terms and conditions of the loan agreement.
我确认已阅读并瞭解这份贷款协议的条件与规定。
minimum finance charge
每月最低应缴金额
Some credit cards have a minimum finance charge.
有些信用卡有每月最低应缴金额的限制。
mortgage
n. 房贷；抵押借款
Rick has a twenty-year mortgage.
瑞克要缴二十年的房贷。
outstanding
adj. 未清偿的；未付清的
Our records show you have an outstanding balance of $6,0
我们资料显示您有一笔六千元的款项未付。
refinance
v. 重新贷款
When deciding whether or not to refinance, there are many factors to consider.
在决定是否重新贷款时，有许多因素要考量。
statement
n. 帐单明细
The fee for issuing a replacement⁸ card will be charged to your next statement.
信用卡补发费用将併入您下个月的帐单明细。

1 collateral   

adj.平行的；旁系的；n.担保品

参考例句：

• Many people use personal assets as collateral for small business loans.很多人把个人财产用作小额商业贷款的抵押品。
• Most people here cannot borrow from banks because they lack collateral.由于拿不出东西作为抵押，这里大部分人无法从银行贷款。

2 outrageous   

adj.无理的，令人不能容忍的

参考例句：

• Her outrageous behaviour at the party offended everyone.她在聚会上的无礼行为触怒了每一个人。
• Charges for local telephone calls are particularly outrageous.本地电话资费贵得出奇。

3 repayment   

n.偿还，偿还款；报酬

参考例句：

• I am entitled to a repayment for the damaged goods.我有权利索取货物损坏赔偿金。
• The tax authorities have been harrying her for repayment.税务局一直在催她补交税款。

4 debit   

n.借方，借项，记人借方的款项

参考例句：

• To whom shall I debit this sum?此款应记入谁的账户的借方？
• We undercharge Mr.Smith and have to send him a debit note for the extra amount.我们少收了史密斯先生的钱，只得给他寄去一张借条所要欠款。

5 consolidation   

n.合并,巩固

参考例句：

• The denser population necessitates closer consolidation both for internal and external action. 住得日益稠密的居民，对内和对外都不得不更紧密地团结起来。 来自英汉非文学 - 家庭、私有制和国家的起源
• The state ensures the consolidation and growth of the state economy. 国家保障国营经济的巩固和发展。 来自汉英非文学 - 中国宪法

6 installment   

n.(instalment)分期付款；(连载的)一期

参考例句：

• I shall soon pay the last installment of my debt.不久我将偿付我的最后一期债款。
• He likes to buy things on the installment plan.他喜欢用分期付款法购买货物。

7 installments   

部分( installment的名词复数 )

参考例句：

• The first two installments were pretty close together in 1980. 第一次和节二次提款隔得很近，都是在1980年提的。
• You have an installments sales contract. 你已经订立了一份分期付款的买卖契约了。

8 replacement   

n.取代，替换，交换；替代品，代用品

参考例句：

• We are hard put to find a replacement for our assistant.我们很难找到一个人来代替我们的助手。
• They put all the students through the replacement examination.他们让所有的学生参加分班考试。