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留英必備:七種英國銀行卡的區別
發(fā)起人:eging  回復數:0  瀏覽數:4396  最后更新:2019/7/25 8:28:56 by eging

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2019/7/25 8:28:56
eging





角  色:管理員
發(fā) 帖 數:3730
注冊時(shí)間:2015/6/5
留英必備:七種英國銀行卡的區別
        去英國留學(xué),免不了要與英國銀行打交道。大家對英國銀行的項目和提供的銀行卡類(lèi)型有多少了解哈?英國主要有七種銀行卡,了如指掌的有木有!下面我們就為筒子們提供這方面的詳細信息~

  英國留學(xué)生到達學(xué)校后,要盡快開(kāi)設銀行賬戶(hù),留學(xué)生在英國學(xué)習期間,很有可能會(huì )享受到英國銀行所提供的,一些國內銀行目前尚未開(kāi)展的,這一是因為英國的金融業(yè)非常發(fā)達,二也是因為英國銀行完善的。以下介紹英國銀行常用的項目類(lèi)別:

  1. cash card

  A cash card can be those cards that you can insert into an ATM or other cash dispenser, or a pre-paid credit card, or a card with a preset cash value from a particular store (Costco or Subway), which is read by a cash card reader and used to pay for products or services at that retailer。

  英國銀行的現金卡,英文稱(chēng)呼為Cash Card,它主要的作用是幫助持卡人在銀行或ATM機上存取現金。

  2. cheque guarantee card

  A cheque guarantee card is essentially an abbreviated portable letter of credit granted by a bank to a qualified depositor, providing that when he is paying a business by cheque and the retailer

  writes the card number on the back of the cheque, the cheque was signed in the retailer's presence, and the retailer verifies the signature on the cheque against the signature on the card, then the cheque cannot be stopped and payment cannot be refused by the bank。

  英國銀行的支票保證卡,英文稱(chēng)呼為Cheque guarantee Card,它主要的作用是在使用支票時(shí)出示,以作為支付保證,支票保證卡上會(huì )被注明擔保的金額,也就是持卡人每次可以開(kāi)具支票的最高額度。

  3. debit card

  Debit cards usually allow for instant withdrawal of cash, acting as the ATM card for withdrawing cash and as a check guarantee card. Merchants may also offer cashback facilities to customers, where a customer can withdraw cash along with their purchase。

  英國銀行的借記卡,英文稱(chēng)呼為Debit Card,它主要作用是幫助持卡人在商場(chǎng)里刷卡消費,這樣持卡人所消費的費用都會(huì )直接通過(guò)銀行的結算,從相應的賬戶(hù)上扣除。

  (英國銀行對以上三種卡會(huì )采取合并的形式,將上述的功能統一到一張銀行卡上,方便客戶(hù)的使用。)

  4. credit card

  A credit card allows its holder to buy goods and services based on the holder's promise to pay for these goods and services.A credit card is different from a charge card: a charge card requires the balance to be paid in full each month. A credit card also differs from a cash card, which can be used like currency by the owner of the card。

  英國銀行的信用卡,英文稱(chēng)呼為Credit Card,它主要的作用是透支消費。如果留學(xué)生的信用紀錄比較好,在申請并經(jīng)過(guò)審核后,英國銀行就會(huì )為留學(xué)生提供一張信用卡,允許留學(xué)生從中透支部分資金,而后再定期還款。

  5.current account

  In economics, the current account is one of the two primary components of the balance of payments, the other being the capital account。

  英國銀行的現金賬戶(hù),英文稱(chēng)呼是Current account,主要是用來(lái)存取日常開(kāi)支的賬戶(hù),賬戶(hù)利息很低或沒(méi)有利息。

  6. savings account

  Savings accounts are accounts maintained by retail financial institutions that pay interest but cannot be used directly as money (for example, by writing a cheque)。

  英國銀行的存款賬戶(hù),英文稱(chēng)呼是Saving account,主要是用來(lái)存款的賬戶(hù),利息較高但是不能支付支票,如果需要提取現金需要和銀行提前預約。

  7. overdraft

  An overdraft

  occurs when money is withdrawn from a bank account and the available balance goes below zero. In this situation the account is said to be "overdrawn". If there is a prior agreement with the account provider for an overdraft, and the amount overdrawn is within the authorized overdraft limit, then interest is normally charged at the agreed rate。

  英國的透支,英文稱(chēng)呼是Overdraft,一般來(lái)說(shuō)英國銀行是支持透支的,如果留學(xué)生需要透支,可以與銀行進(jìn)行協(xié)商,部分銀行會(huì )同意為留學(xué)生提供一定額度的無(wú)償透支,而更多的銀行會(huì )要求有償透支,也就是說(shuō)留學(xué)生要提前支付透支利息。


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