overdraft

简明释义

英[ˈəʊvədrɑːft]美[ˈoʊvərdræft]

n. [金融] 透支；[金融] 透支额

vt. [金融] 透支

复 数 o v e r d r a f t s

英英释义

单词用法

同义词

反义词

例句

1.You risk incurring bank charges if you exceed your overdraft limit.

如果超出了透支限额，就有被银行加收费用的风险。

2.Federal regulators who stood idly by while this system evolved are considering new overdraft rules that could provide more transparency.

曾经对此袖手旁观的联邦监管机构，正在考虑更具透明度的新规则。

3.It allows no overdraft.

不允许透支。

4.Is the deposit enough to cover the overdraft?

这笔存款足以支付透支的定金吗？

5.Nearly half have used credit CARDS or overdraft when skint and 58 per cent say only keeping away from the high street would stop them spending.

调查发现，这些受访者中有近一半的人会使用信用卡消费，即使透支也要花钱。58%的人表示，要想让她们停止购物，唯一的办法就是远离那些购物场所。

6.With the overdraft method.

采用透支方法借款。

7.I had to pay a fee because my bank account went into overdraft.

因为我的银行账户出现了透支，我不得不支付一笔费用。

8.She used her credit card to cover the overdraft on her checking account.

她用信用卡来支付她支票账户的透支。

9.The bank notified me that my account was in overdraft and I needed to deposit money.

银行通知我我的账户处于透支状态，我需要存钱。

10.If you frequently go into overdraft, consider setting up an overdraft protection plan.

如果你经常出现透支，考虑设置一个透支保护计划。

11.He was surprised by the high fees associated with his overdraft.

他对与他的透支相关的高额费用感到惊讶。

作文

Managing personal finances can be a daunting task, especially when it comes to understanding various banking terms and concepts. One such term that often causes confusion is overdraft. An overdraft occurs when an individual withdraws more money from their bank account than what is available in the account. This can happen due to unexpected expenses or poor budgeting. While some may view an overdraft as a convenient safety net, it is crucial to understand the implications and potential costs associated with it. When a person has an overdraft, their bank typically allows the transaction to go through, even though it exceeds the account balance. However, this service often comes with fees. Banks charge overdraft fees, which can vary significantly depending on the institution. These fees can add up quickly, leading to a cycle of debt if not managed properly. For instance, if someone has a $100 overdraft fee for each transaction that exceeds their balance, repeated withdrawals can lead to a substantial financial burden. Additionally, relying on an overdraft can negatively impact one's credit score. If the overdraft is not paid back promptly, it may be reported to credit bureaus, affecting future borrowing capabilities. It is essential for individuals to monitor their accounts regularly to avoid falling into this trap. Using budgeting tools and setting up alerts for low balances can help mitigate the risk of incurring an overdraft. Some banks offer overdraft protection plans, which can be a useful option for those who frequently find themselves in this situation. These plans typically link a savings account or credit card to the checking account, providing a backup source of funds when the account balance runs low. While this can prevent the immediate consequences of an overdraft, it is still important to remember that these options may also come with their own fees or interest rates. In conclusion, understanding the concept of overdraft is vital for effective financial management. While it may provide short-term relief, the long-term consequences can be detrimental if not handled wisely. Individuals should strive to maintain a positive account balance and consider alternative strategies for managing their finances. By doing so, they can avoid the pitfalls associated with overdraft and work towards achieving greater financial stability. Remember, knowledge is power, and being informed about banking terms like overdraft can lead to better financial decisions in the future.

管理个人财务可能是一项艰巨的任务，尤其是在理解各种银行术语和概念时。其中一个常常引起困惑的术语是透支。当个人从其银行账户中提取超过账户可用金额的钱时，就会发生透支。这可能是由于意外支出或预算不当造成的。虽然有些人可能将透支视为一种方便的安全网，但了解与之相关的影响和潜在成本至关重要。 当一个人发生透支时，银行通常会允许交易通过，即使它超过了账户余额。然而，这项服务通常会收取费用。银行会收取透支费用，这些费用因机构而异。这些费用可能迅速累积，如果管理不当，会导致债务循环。例如，如果某人的每笔超过余额的交易收取100美元的透支费用，则重复提款可能会导致相当大的财务负担。 此外，依赖透支可能会对个人的信用评分产生负面影响。如果透支没有及时偿还，它可能会被报告给信用局，从而影响未来的借款能力。个人应定期监控其账户，以避免陷入这种困境。使用预算工具并设置低余额提醒可以帮助减轻发生透支的风险。 一些银行提供透支保护计划，这对于那些经常发现自己处于这种情况的人来说可能是一个有用的选择。这些计划通常将储蓄账户或信用卡链接到支票账户，为账户余额不足时提供备用资金来源。虽然这可以防止透支的直接后果，但仍然需要记住，这些选项也可能附带自己的费用或利率。 总之，理解透支的概念对于有效的财务管理至关重要。虽然它可能提供短期的缓解，但如果处理不当，长期后果可能是有害的。个人应努力保持积极的账户余额，并考虑管理财务的替代策略。通过这样做，他们可以避免与透支相关的陷阱，并朝着实现更大的财务稳定迈进。记住，知识就是力量，了解像透支这样的银行术语可以导致未来更好的财务决策。