1、信用卡
Credit CardGranted to consumers for buying products and services but allowing delayed payment.
Interest Free （Grace） PeriodA length of time the user of a credit card is entitled to credit without having to pay interest assuming prompt monthly payment.
Outstanding BalanceThe amount of debt including interest owing on a credit card
Monthly StatementA document issued on a monthly basis detailing the previous month's transactions, outstanding balance and payment due date.
Credit LimitThe maximum amount of credit a bank or other lender will extend to customers on a single credit card.
Unsecured DebtDebt, which is not guaranteed by collateral, therefore, no assets are committed in case of default.
Cash AdvanceA cash loan taken out on a credit card. Generally cash advances do not have an interest free period.
信用卡允许客户提前购买产品和服务而后付款。
免息期/宽限期如果每月及时还款，信用卡持有人有权免息使用一定信用额度的期间。
透支金额信用卡上包括利息的负债。
月度报表每月发出的文件，列出上个月的交易，拖欠金额和付款日。
信用额度银行或其他借方允许客户用信用卡透支的最高金额。
未担保债务没有抵押物作为担保的债务，在违约时没有抵押物可以补偿损失。
预提现金信用卡上的现金贷款。通常提前支取现金不享受免息期。
2、电子银行
Electronic BankingMethods of accessing bank accounts through electronic terminals, ATMs, computers, land-lines, and mobile phones.
Electronic Funds Transfer（EFT）A transfer of funds either from or to an account, which is initiated by giving an instruction through an electronic access method.
PasswordA series of letters and/or numbers for which a customer can access an account. Should be kept secret.
Mobile BankingA method of banking where customers have the ability to access bank accounts and information through their mobile phone.
电子银行客户通过电子终端如自动柜员机、计算机、固定电话线和移动电话操纵银行账户的方式。
电子资金转账（EFT）通过电子手段控制账户、发出指令将账户资金转入转出的操作。
密码客户用以进入账户的一系列字母和数字的组合。必须严格保密。
手机银行客户使用手机进入账户、查询信息的银行交易方式。
3、国际业务
Wire TransferAn electronic means of transferring funds overseas. It is the quickest and safest method to make an international payment.
Traveler's ChecksA check issued by a bank which functions as cash but is protected from loss or theft.
Foreign Exchange （FX）A process by which one currency is converted to another at an agreed rate of exchange.
Rates of ExchangeThe price of one currency in terms of another currency. The means by which banks trade one currency for another.
International DraftA check, similar to a bank check, that is drawn by one bank and is payable at an overseas bank.
Foreign Currency AccountA bank account that holds money in another currency, other than the main currency used in that country.
Currency RiskRisk that the value of a currency will by negatively affected in the event of an unfavorable movement in rates of exchange.
电汇将资金转往海外的电子方式。它是进行国际支付最安全快捷的方式。
旅行支票银行出具的支票，功能类似现金，但是可以防止毁损或被盗。
外汇（FX）一种货币按照约定的汇率兑换成另一种货币。
汇率一种货币与另一种货币的比价。银行兑换外币的依据。
国际汇票一种支付方式，类似银行支票，由一家银行出票并由海外银行付款。
外币账户存有本币以外的外币的银行户头。
货币风险由于外汇汇率的负面波动而对货币价值产生影响的风险。
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