金融英语翻译的关键在于准确理解原文并能正确无误地表达原文，金融英语中涉及了大量金融领域专业知识，要求翻译者尽量熟悉金融业务，掌握相关术语，在翻译过程中做到严谨、求实、清晰。
信用卡及其使用
Introduction to Credit Card and Usage
信用卡是银行为使客户(持卡人)能以赊账的方式购买商品、获得服务和提取货 币(在条例允许的范围内)而改造的一种工具
Credit Cards are instruments issued by banks to customers (card holders) to enable them to acquire goods, services or currency (where regulations will allow) on credit.
银行在为客户签发塑料信用卡时，将按照客户的资信情况规定一个几百美元至几千美元的信用额度。客户可凭此卡到已与发卡银行签订接受信用卡协定的商店、宾馆或餐饮购物或获取服务。使用信用卡时，提供商品或服务方先要检查卡的有效性，核对无误后，开出签购单据，并在单据右下方填写日期、购物品种或服务的内容和账单的金额,再把它和信用卡一起放在发卡银行提供的压卡机里，印上客户的账号、姓名及信用卡终止日期及商家的账号和名称,最后由客户在单据上签字，以便与卡上的签样核对。有时，经过发卡行同意，每次购物的金额可以超过卡上限额。
The customer will be provided with a plastic card carrying a line of credit that，ranging from several hundred to several thousand dollars，varies according to the creditability of the customer. The customer can gain goods or services by showing his card to a store, a hotel or a restaurant that has pre-arrangement with the issuing bank to accept credit cards. Having examined the validity of the card, the supplier will give a sales slip, in which the date of each sale, description of the merchandise or services supplied and the credit amount will be filled by hand-written letters at the lower right comer. The following information will then be processed on the slip together with the credit through an imprinter supplied by
a) the issuing bank；
b) the customer’s account number and name；
c) expiration date of the card；
d) the merchant's account number and name
Finally, the customer has to sign on the sales slip, to be compared with that on the card. In some cases, the card issuing bank may approve the exceeding of each sale amount above the card ceiling limit.
销售或服务活动结束之后，商家会把信用卡和签购单据的第一联退还客户,第二联自己存档，第三联在三个营业日之内寄送发卡行，要求偿付赊销款项。与此同时，每个月客户会收到一份银行来的催款账单。一般情况下，客户偿付该账单可有25天的宽限期。
After the sale or service, the merchant will return the card and a copy of sales slip to the customer, keep another copy for file and send the third to the issuing bank for reimbursement within three business days after the transaction date. On the other side, the customer will receive a bill monthly from the bank for payment of his purchase. Usually, he is allowed a grace period of 25 days.
所有的发卡机构都要收取利息，按月结算，年息可高达25%。但是，只要你明智 地使用信用卡，就可以赊欠7个星期而不必支付利息。因此，只要你明智地使用信用卡，就不会支付一分钱利息。至少信用卡能帮助你暂渡经济难关。
All the credit organizations charge interest on a monthly basis which may work out as high as 25 percent a year, yet judicious purchasing using a card can mean that you obtain up to seven weeks interest free credit. If used wisely, a credit card can cost nothing, or at least help to tide you over a period of financial difficulty.
发布：南京翻译公司
