信用卡借记卡的使用-英文PPT课件

-,1,HowCreditCardsWork,-,2,CreditCard,Aplasticcard,usuallyissuedbyabankorstore,thatallowsyoutobuythingsnowandpaythemoneylater.“Buynow.PayLater.”WhatisthedifferencebetweenaCREDITCARDandaDEBITCARD?,-,3,Debt,Thetotalmoneyyouowe.Owe:berequiredtopay.,-,4,Balance,Theamountyouoweonyourcard.YoumustpayiteverymonthMoneyyouhaventpaidyetis“outstanding.”Sometimesyouwillhaveanoutstandingbalancefrombefore,andyouhavetopaythattoo.Sosad.Anynewcharges,interest,latefees,orannualfeesmayalsobeincluded,-,5,AnnualFee,Somecreditcardsrequireyoutopaymoneytouseiteachyear.TIP:Ifyourcreditcardchargesanannualfee,askthelenderiftheyllwaiveit(letitgo).Theymaybewillingtodothistokeepyourbusiness,-,6,CreditLimit,Amountyoucanborrowusingyourcard.Lendercantchangethislimitwithoutlettingyouknow,-,7,Financecharges,ThesechargescanincludelatefeesplusinterestInterest:Apercentageoftheamountthatyouowethatyoupay.Higherinterestforcashadvancesthanforpurchases,-,8,GracePeriod,Thetimeyouhavetopayoffthebalanceyouoweeachmonthbeforeyouhavetopayinterest,-,9,Annualpercentagerate(APR),Thisincludesallloanservicecostsandinterest.(Thepercentagethatyouwillbepayingontheamountyouowe)Itmaybehigherthantheinterestrateyouseeintheloancontract,-,10,Introductoryrate,Aspecialofferthatgivesyouatemporary,lowerAPR.Inmostcases,theofferlastsabout6months.Thenitgoesuptothenormalrate.Theydothistomakeyouwanttousetheircard.Lendermusttellyouinadvancewheninterestratesaregoingtoincrease,-,11,Minimummonthlypayment,YoudontneedtopayallthemoneyeverymonthMostcardsaskonlyforaminimumpaymenteachmonth.BUT,nextmonth,youwillbecharged20%interestonanymoneyyoudontpay.,-,12,MakingtheMinimumPayment,Itcantakeseveralyearstopayoffyourcreditcardbymakingtheminimummonthlypayment.E.g.,youowe$4000.Interestrate:18%.Minimumpayment:$200Itwilltakeyouabout2yearstogetoutofdebt.Youllendupspending$800ininterest.,-,13,CreditHistory,ArecordofAllofyourcreditcardpurchasesHowgoodyouareatpayingyourcreditcarddebtontime.Ifyouforgettopay,thebankswillneverforget.Ifyouwanttobuyac