credit card关于钱和信用卡的ppt.ppt

Moneyandcreditcard,Contents,Advantagesanddangersofhavingone,Viewsoncreditcards,Introductionofmoneyandcreditcard,Somefactsaboutcreditcard,题,Doyoulikemoney?,Moneyisakindofequivalentquantitativeexchangetool,andistopromotetheprosperityanddevelopmentofasocietyoffinancialcirculationtools.钱，一种等值量化的交换工具，是促进社会繁荣发展的一种金融流通工具。,Differentcurrencies,Pound(GBP)1英镑GBP=10.1284人民币CNY,Pro,X,UnitedStatesDollar(USD)1美元=6.2117人民币元,Euro(EUR)1欧元=8.5384人民币元,JapanYen(JPY)Hwan1韩元=0.005811人民币元1日元=0.06040人民币元,Moneyitems,BankmoneyBloodmoneyCallmoneyDarkmoneyhaveaguessEarnestmoneyFairymoneyFoldingmoneyGlovemoney,Moneyitems,Bankmoney银行票据Bloodmoney抚恤金；不义之财Callmoney活期存款Darkmoney加班费Earnestmoney定金；保证金Fairymoney捡到的钱Foldingmoney纸币Glovemoney贿赂,SayingsaboutMoney,Afullpursemakestheheartlight,alightpurseisaheavycurse.为人有钱心事轻,为人无钱处处难.Moneymakesthemarego.有钱能使鬼推磨。Moneytalks.金钱是万能的。Whenpovertycomesinatthedoor,loveleapsoutatthewindows.贫穷从门走入，爱情随之从窗户溜走（贫贱夫妻百事哀）Moneydoesnotgrowontree.金钱不长在树上（钱不容易挣）,Moneyisagoodservantbutabadmaster.要做金钱的主人，莫做金钱的奴隶。Apennysavedisapennyearned.省一分，是一分Althoughpowerisastubbornbear,butgoldcanpullitbythenose虽然权势是一头固执的熊，可是金子可以拉着它的鼻子走。莎士比亚Wealthislikewater:youdrinkthemorethemoreyoufeelthirsty财富就像海水：越喝越渴。贺拉斯,Developmentofmoney,Introductionofcreditcard,CreditCardisanon-cashtransactionpayment,asimplecreditservices.Itisasmallplasticcardthatyouusetobuygoodsorservicesandpayforthemlater.,Introductionofcreditcards,Acreditcardallowsyoutochargesomethingimmediatelyandthenpayforthebillforatalaterdate.Onceacreditcardhasbeenissued,youcanmakepurchaseswithintheprescribedcreditlimit.Forexampleacreditcardwithalimitof$100.00enablesyoutopayforupto$100.00worthofitems.Everymonth,youwillreceivecreditcardstatements(信用卡消费账单)thatliststhechargesyouhavemade.Youhavetopayyourbillinfullbytheduedate.Otherwise,youhavetopayinterest(利息)orafinancechargewhichcanbefairlyhigh.,Script,Whygetacreditcard?,Themainreasonistoestablishagoodcreditratingwhichwillenableyoutoborrowmoneyforacarorahouseatalowerrate.Havingalowerrateonamortgagecansavebigbucks!,Today,Today,moreandmorepeopleintheUnitedStatesareusingcreditcardsinsteadofmoneytobuythethingstheyneed.Almostanyonewhohasasteadyincomeandacontinuousworkrecordcanapplyforacreditcard.Therearemanycreditcardsavailable:AmericanExpress,VISA,andMasterChargearesomeofthemostpopular.今天，越来越多的美国人流行用信用卡而不是用货币购买他们所需要的东西。几乎所有收入来源稳定，有持续工作记录的人都可以申请信用卡。可供选择的信用卡种类很多，其中有些信用卡很流行，如美国运通卡、维萨卡及万事达卡等等。,Internationalcreditcardorganization,DinersClub,AmericaExpress(AMEX),MasterCardInternational,ChinaUnionPayCo.,Ltd.,JCB,VISAInternational,Viewsoncreditcards,1.Whataretheadvantagesofhavingacreditcard?Youcanpayforgoodsandserviceswithoutusingcashorachequewhichmeansthatyouonlyneedtocarryonecardaroundwithyou.Youcanspendmorethanyouhave.2.Whichsortofcustomersdothecreditcardcompanieshate?peoplewhopayofftheirbillsontime3.Whataregoodcustomersforcreditcardcompanies?peoplewhodontpayofftheircreditcarddebts4.Howdocreditcardcompaniesmakeprofits?charginginterestrates,Advantagesanddangersofhavingone,AdvantagesDonothavetotakecashandpaycashtogetgoodsandservices.Whenthecreditcardspendingisoverdraftconsumption(透支消费）,motesthemailorder,telephoneordershopping,onlineshoppingdevelopment.,Savetime,andcanbesafeAvoidfakenotes(假钞)GetthroughunexpectedemergenciesMonthlystatementskeepspendingrecordsinorderPayontime,andyoucanestablishagoodcredithistory,Dangers!,ImproperusecandamagecreditratingHigherriskforimpulsivebuyingandoverspendingDebttrapwhenusedunwiselyExpensivewaytoborrowduetohighinterestratesLesstospendinthefutureduetopayingoffpurchasesfrompastPossiblehiddenfees&surchargesPrivacyisanincreasingconcernIdentitythefteasierHighinterestratesandannualfeesmakeyouindebted,Definition,CreditratingAcreditratingisanevaluationofthecreditworthinessofadebtor,especiallyabusiness(company)oragovernment,.Theevaluationismadebyacreditratingagencyofthedebtorsabilitytopaybackthedebtandthelikelihoodofdefault.,DebttrapAdebttrapisasituationinwhichanentity(实体)borrowsmoney,butdoesnothaveenoughmoneytomaketheinterestpaymentsontheloan,soittakesoutanotherloan-withitsowninterestpayments-tocoverthefirstloanspayments.Theywilllikelyhavetoborrowagaintopayoffthesecondloan,creatingacripplingcycle.,InterestrateAninterestrateistherateatwhichinterestispaidbyaborrower(debtor)fortheuseofmoneythattheyborrowfromalender(creditor).,AnnualfeeTheannualfeeisthefeethatischargedbysomecreditcardcompaniestotheircreditcardholders,simplyforhavingthecreditcard.Thisfeeischargedregardlessofanythingelse(theamountorvalueofpurchaseswiththecreditcard,forexample).,Thefacts,Whethercollegestudentsshouldhaveacreditcard?,Therealproblemisthatformanyofthesestudents,theypaylittleattentiontointerestrates,terms,andcardfeatures.Thecardtheychoosemaysetthemupforfailurerightfromthestart.Inaddition,manyyoungpeoplearenotadequatelyeducatedaboutcreditcardsanddebt.Theymayknowthatyouhavetopaythemoneyback,buttheymaynotbepreparedtounderstandtheeffectofhighinterestrates,minimumpayments,andthedevastatingeffectthatlatepaymentscancause,Withallofthenegativeconsequencesofcreditcarddebt,thefactisthatmoststudentsneed,orshouldatleasthaveacreditcard.Ifforanyreasonatall,itstoestablishacredithistory.Youneedcreditinordertobuildacreditscore,soobtainingacreditcardatayoungageisaneasywaytodothis.Inaddition,oneoftheimportantfactorsofyourFICOscore(美国信用评级分数)isthelengthofcredithistory.So,thesooneryoue