Unit2:消費(fèi)金融
　　balance transfer
　　余額代償
　　Katherine made a balance transfer from her old credit card to her new one.
　　凱薩琳申辦新卡代償舊卡。
　　cancel
　　v. 停（卡）
　　What happens if I want to cancel my card?
　　如果我想停卡該怎么辦？
　　cash card
　　現(xiàn)金卡
　　What do I need in order to apply for a cash card?
　　申辦現(xiàn)金卡我需要準(zhǔn)備些什么？
　　collateral
　　n. 抵押品；擔(dān)保品
　　Without collateral, Mr. Thomas wasn’t able to get a loan.
　　由于沒擔(dān)保品，湯瑪斯先生的貸款辦不下來。
　　credit card
　　信用卡
　　I need to report a stolen credit card.
　　我要報(bào)信用卡失竊。
　　credit limit
　　信用額度
　　Beware of outrageous credit limits, which may lead to uncontrollable spending.
　　要小心信用額度別訂得太高，這可能會導(dǎo)致花費(fèi)無度。
　　credit rating
　　信用評等
　　Bob’s poor repayment history has really hurt his credit rating.
　　巴柏不良的還款記錄對他的信用評等造成很大的傷害。
　　debit card
　　簽帳卡
　　You can use this debit card almost anywhere in the world.
　　這張簽帳卡你幾乎全世界任何地方都可使用。
　　debt consolidation
　　負(fù)債整合
　　Before you consider debt consolidation, closely examine the proposal.
　　在考慮負(fù)債整合之前，要仔細(xì)檢查其還款方案。
　　default
　　n. 違約
　　The company is in default on its loan agreement.
　　該公司違反其貸款合約。
　　freeze
　　v. 凍結(jié)（帳戶）
　　The bank froze my credit card account after I reported it stolen.
　　在我報(bào)失信用卡后，銀行凍結(jié)了我的信用卡戶頭。
　　installment
　　n. 分期付款
　　Penny will pay off her student loans in 60 installments.
　　潘妮將分六十期償還她的助學(xué)貸款。
　　loan
　　n. 貸款
　　I confirm that I have read and understood the terms and conditions of the loan agreement.
　　我確認(rèn)已閱讀并了解這份貸款協(xié)議的條件與規(guī)定。
　　minimum finance charge
　　每月最低應(yīng)繳金額Some credit cards have a minimum finance charge.
　　有些信用卡有每月最低應(yīng)繳金額的限制。
　　mortgage
　　n. 房貸；抵押借款
　　Rick has a twenty-year mortgage.
　　瑞克要繳二十年的房貸。
　　outstanding
　　adj. 未清償?shù)模晃锤肚宓?
　　Our records show you have an outstanding balance of $6,0
　　我們資料顯示您有一筆六千元的款項(xiàng)未付。
　　refinance
　　v. 重新貸款
　　When deciding whether or not to refinance, there are many factors to consider.
　　在決定是否重新貸款時(shí)，有許多因素要考量。
　　statement
　　n. 賬單明細(xì)The fee for issuing a replacement card will be charged to your next statement.
　　信用卡補(bǔ)發(fā)費(fèi)用將併入您下個(gè)月的賬單明細(xì)。