英國(guó)留學(xué)七種銀行卡怎么用？

來(lái)源：威久留學(xué) 責(zé)任編輯：留學(xué)專家瀏覽:1653次

【導(dǎo)讀】：去英國(guó)留學(xué)，大家必定要跟英國(guó)銀行打交道。英國(guó)的金融行業(yè)發(fā)達(dá)，銀行的體系也完善，大家在英國(guó)辦理銀行卡后很有可能會(huì)享受到英國(guó)銀行所提供的一些服務(wù)。今天，威久留學(xué)專家為大家介紹七種英國(guó)主要的銀行卡，大家可以作為辦理銀行卡的參考！

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大家申請(qǐng)英國(guó)留學(xué)，到達(dá)英國(guó)以后一定要盡快向銀行申請(qǐng)英國(guó)的銀行卡。但英國(guó)銀行的服務(wù)項(xiàng)目和銀行卡類型頗多，今天，威久留學(xué)專家就為大家介紹七種英國(guó)主要的銀行卡，供大家參考！

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(guó)銀行的現(xiàn)金卡，英文稱呼為Cash Card，它主要的作用是幫助持卡人在銀行或ATM機(jī)上存取現(xiàn)金。

2. chequeguarantee card

A chequeguarantee card is essentially an abbreviatedportable 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(guó)銀行的支票保證卡，英文稱呼為Chequeguarantee 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(dān)保的金額，也就是持卡人每次可以開具支票的最高額度。

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(guó)銀行的借記卡，英文稱呼為Debit Card，它主要作用是幫助持卡人在商場(chǎng)里刷卡消費(fèi)，這樣持卡人所消費(fèi)的費(fèi)用都會(huì)直接通過(guò)銀行的結(jié)算，從相應(yīng)的賬戶上扣除。

(英國(guó)銀行對(duì)以上三種卡會(huì)采取合并的形式，將上述的功能統(tǒng)一到一張銀行卡上，方便客戶的使用。)馬上在線咨詢>>>

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(guó)銀行的信用卡，英文稱呼為Credit Card，它主要的作用是透支消費(fèi)。如果留學(xué)生的信用紀(jì)錄比較好，在申請(qǐng)并經(jīng)過(guò)審核后，英國(guó)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(guó)銀行的現(xiàn)金賬戶，英文稱呼是Current account，主要是用來(lái)存取日常開支的賬戶，賬戶利息很低或沒有利息。

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(guó)銀行的存款賬戶，英文稱呼是Saving account，主要是用來(lái)存款的賬戶，利息較高但是不能支付支票，如果需要提取現(xiàn)金需要和銀行提前預(yù)約。馬上在線咨詢>>>

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 authorizedoverdraft limit, then interest is normally charged at the agreed rate。

英國(guó)的透支，英文稱呼是Overdraft，一般來(lái)說(shuō)英國(guó)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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