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1、Money and credit card Contents Advantages and dangers of having one Views on credit cards Introduction of money and credit card Some facts about credit card 题 Do you like money Money is a kind of equivalent quantitative exchange tool and is to promote the prosperity and development of a society of f
2、inancial circulation tools 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 Different currencies lPound GBP l1英镑GBP 10 1284人民币CNY Pro X United States Dollar USD 1美元 6 2117人民币元 lEuro EUR l1欧元 8 5384人民币元 lJapan Yen JPY Hwan l l 1韩元 0 005811人民币元 l l1日元 0 06040人民币元 Money items lBank money lBlood money lCall money lDar
3、k money have a guess lEarnest money lFairy money lFolding money lGlove money Money items lBank money 银行票据 lBlood money 抚恤金 不义之财 lCall money 活期存款 lDark money 加班费 lEarnest money 定金 保证金 lFairy money 捡到的钱 lFolding money 纸币 lGlove money 贿赂 Sayings about Money lA full purse makes the heart light a light p
4、urse is a hea vy curse l为人有钱心事轻 为人无钱处处难 lMoney makes the mare go l有钱能使鬼推磨 lMoney talks l金钱是万能的 lWhen poverty comes in at the door love leaps out at t he windows l贫穷从门走入 爱情随之从窗户溜走 贫贱夫妻百事哀 Money does not grow on tree l金钱不长在树上 钱不容易挣 lMoney is a good servant but a bad master l要做金钱的主人 莫做金钱的奴隶 lA penny sa
5、ved is a penny earned l省一分 是一分 lAlthough power is a stubborn bear but gold can pull it by the nose l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 l Wealth is like water you drink the more the more you feel thirsty l财富就像海水 越喝越渴 贺拉斯 l Development of money Introduction of credit card lCredit Card is a non cash trans
6、action payment a simple credit services It is a small plastic card that you use to buy goods or services and pay for them later Introduction of credit cards A credit card allows you to charge something immediately and then pay for the bill for at a later date Once a credit card has been issued you c
7、an make purchases within the prescribed credit limit For example a credit card with a limit of 100 00 enables you to pay for up to 100 00 worth of items Every month you will receive credit card statements 信用卡消费账单 that lists the charges you have made You have to pay your bill in full by the due date
8、Otherwise you have to pay interest 利息 or a finance charge which can be fairly high Script Why get a credit card The main reason is to establish a good credit rating which will enable you to borrow money for a car or a house at a lower rate Having a lower rate on a mortgage can save big bucks Today l
9、Today more and more people in the United States are using credit cards instead of money to buy the things t hey need Almost any one who has a steady income a nd a continuous work record can apply for a credit card There are many credit cards lavailable American Express VISA and Master Charg e are so
10、me of the most popular l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 International credit card organization Diners Club America Express AMEX MasterCard International China UnionPay Co Ltd JCB VISA International Views on credit cards 1 W
11、hat are the advantages of having a credit card You can pay for goods and services without using cash or a cheque which means that you only need to carry one card around with you You can spend more than you have 2 Which sort of customers do the credit card companies hate people who pay off their bill
12、s on time 3 What are good customers for credit card companies people who don t pay off their credit card debts 4 How do credit card companies make profits charging interest rates Advantages and dangers of having one lAdvantages l Do not have to take cash and pay cash to get goods and services lWhen
13、the credit card spending is overdraft consumption 透支消费 you can have interest free period lpromotes the mail order telephone order shopping online shopping development lSave time and can be safe lAvoid fake notes 假钞 lGet through unexpected emergencies lMonthly statements keep spending records in orde
14、r lPay on time and you can establish a good credit history Dangers lImproper use can damage credit rating lHigher risk for impulsive buying and overspending lDebt trap when used unwisely lExpensive way to borrow due to high interest rates lLess to spend in the future due to paying off purchases from
15、 past lPossible hidden fees surcharges lPrivacy is an increasing concern lIdentity theft easier lHigh interest rates and annual fees make you indebted Definition Credit rating lA credit rating is an evaluation of the credit worthiness of a debtor especially a business company or a government The eva
16、luation is made by a credit rating agency of the debtor s ability to pay back the debt and the likelihood of default lDebt trap lA debt trap is a situation in which an entity 实体 borrows money but does not have enough money to make the interest payments on the loan so it takes out another loan with its own interest payments to cover the first loan s payments They will likely have to borrow again to pay off the second loan creating a crippling cycle lInterest rate lAn interest rate is the rate at
