Introduction
Visa cards have become an integral part of international travel, facilitating seamless transactions across borders. Whether you’re planning a trip abroad or simply want to expand your financial knowledge, understanding the vocabulary associated with visa cards is crucial. This guide aims to bridge the gap between English and Chinese, providing a comprehensive list of terms and their translations, ensuring you are well-prepared for your international endeavors.
Visa Card Terminology
Visa Card
- English: Visa Card
- Chinese: 维萨信用卡
A Visa Card is a type of credit card issued by banks and financial institutions, allowing users to make purchases on credit and pay off the amount later.
Credit Card
- English: Credit Card
- Chinese: 信用卡
A Credit Card is a plastic card issued by a financial institution that allows the cardholder to borrow money up to a certain credit limit to make purchases.
Credit Limit
- English: Credit Limit
- Chinese: 信用额度
The Credit Limit is the maximum amount of credit a cardholder is allowed to borrow.
Expiration Date
- English: Expiration Date
- Chinese: 失效日期
The Expiration Date is the date after which the visa card is no longer valid.
Cardholder
- English: Cardholder
- Chinese: 持卡人
The Cardholder is the person who holds the visa card and is responsible for all transactions made with the card.
PIN (Personal Identification Number)
- English: PIN (Personal Identification Number)
- Chinese: 密码
The PIN is a unique number used by the cardholder to authenticate themselves when using their visa card for transactions.
CVV (Card Verification Value)
- English: CVV (Card Verification Value)
- Chinese: 签名验证码
The CVV is a three or four-digit number located on the back of the visa card, used for additional security during online transactions.
Chip Card
- English: Chip Card
- Chinese: 智能卡
A Chip Card is a credit card with an embedded microchip, offering enhanced security compared to magnetic stripe cards.
Magnetic Stripe
- English: Magnetic Stripe
- Chinese: 磁条
The Magnetic Stripe is a strip of magnetic material on the back of a credit card, used to store account information.
Card Activation
- English: Card Activation
- Chinese: 激活卡片
Card Activation is the process of making a visa card ready for use by entering the PIN and setting up the cardholder’s information.
Card Replacement
- English: Card Replacement
- Chinese: 补换卡
Card Replacement refers to the process of obtaining a new visa card in the event that the original card is lost, stolen, or damaged.
Cash Advance
- English: Cash Advance
- Chinese: 现金提取
A Cash Advance is a service that allows a cardholder to withdraw cash from an ATM using their visa card.
Interest Rate
- English: Interest Rate
- Chinese: 利率
The Interest Rate is the percentage of interest charged on the amount of credit used, if not paid off in full by the due date.
Grace Period
- English: Grace Period
- Chinese: 免息期
The Grace Period is the time frame during which a cardholder can pay off their credit card balance without incurring interest charges.
Annual Fee
- English: Annual Fee
- Chinese: 年费
The Annual Fee is a charge imposed by the bank or financial institution for issuing and maintaining a visa card.
Balance Transfer
- English: Balance Transfer
- Chinese: 转账
A Balance Transfer is the process of moving the balance from one credit card to another, often to take advantage of a lower interest rate.
Reward Points
- English: Reward Points
- Chinese: 积分
Reward Points are points earned by a cardholder for making purchases with their visa card, which can be redeemed for various rewards.
Statement
- English: Statement
- Chinese: 对账单
A Statement is a monthly or periodic document that provides a summary of all transactions made with the visa card, including purchases, cash advances, and payments.
Conclusion
Understanding the vocabulary associated with visa cards is essential for a smooth and hassle-free international travel experience. By familiarizing yourself with these terms in both English and Chinese, you will be well-equipped to navigate the world of credit card transactions and make informed decisions about your financial future.