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The Discover it Secured Credit Card
Can help you build or rebuild credit with responsible use.
The Discover it Secured Credit Card
Can help you build or rebuild credit with responsible use.
Using your secured credit card will build a credit history with the three major credit bureaus. Generally, prepaid and debit cards can't do that.
Your secured card requires a
security deposit. You choose your deposit amount (minimum $200) when you apply.
We'll monitor thousands of risky websites when you sign up.
2% Cashback at restaurants or gas stations on up to $1,000 in combined purchases each quarter. Plus 1% cash back on all other credit card purchases.
We automatically match all the cash back you've earned at the end of your first year on your credit card.
23.99% standard variable purchase
FICO & Credit Score for free on monthly statements, on our mobile app or when you log in to your online account.
Check out our video to learn more.
If approved, secure your line with an equal deposit. That means a $200 deposit for a $200 credit line. Or a $500 deposit for a $500 credit line.
Be sure to pay your bill on time. And pay your balance in full each month by the due date to avoid interest on purchases.
Using credit responsibly across all of your credit cards and loans, including Discover and others, may qualify you to get your security deposit back.
Compare Credit Cards to Discover Chart
Discover it®&Secured Credit Card
CapitalOne®Secured MasterCard
Bank Americard®Secured Credit Card
Wells FargoSecured Card
Citi& SecuredMaster Card&
Blue Cash Everyday®&Card from American Express®
Chase Freedom&
Capital One®&Quicksilver®&Cash Rewards
Citi& SecuredMaster Card&
Refundable security deposit
Cash Credit Card
CapitalOne Secured MasterCard
Bank AmericardSecured Rewards&
Wells FargoSecured Card®
Citi& SecuredMaster Card&
Automatic periodic reviews to see if we can transition you to an account with no security deposit
Cash Credit Card
CapitalOne Secured MasterCard
Bank AmericardSecured Rewards&
Wells FargoSecured Card®
Citi& SecuredMaster Card&
Reports to all three major credit bureaus
Cash Credit Card
CapitalOne Secured MasterCard
Bank AmericardSecured Rewards&
Wells FargoSecured Card®
Citi& SecuredMaster Card&
Earn 2% cash back in popular categories. Plus earn 1% cash back on all other purchases.
Student Credit Card
Capital One&&Secured MasterCard
Bank Americard&&Secured Credit Card
Wells Fargo Secured Card
Citi&SecuredMasterCard&
Comparison conducted by an independent research firm and based on competitor info compiled in August 2017. &Compared card issuers may provide other new cardmember bonuses, a FICO& Credit Score or other credit score and other credit information. See issuers' websites for further details. *According to the Feb 2017 Nilson Report.
23.99% standard variable purchase APR
I love this card, it is my favorite of all my cards. What's not to love? The NO annual fee, the cash back, free [ access to ] FICO& Scores. I believe I scored big signing up with this card! Thanks Discover!
From the day I got the card I was amazed at the customer service I received. Looking forward to building my credit with Discover!
The customer service is by far the BEST! This cash back option on a secure card is awesome. Best decision I have ever made!
This is truly the best secured card on the market with superb customer service 24 hrs.
I love my Discover It card! I am trying to build my credit and this card is allowing me to do just that! Thanks Discover!!!!
This card is awesome. When you call customer service, you are treated like a valuable customer. Not like other card companies. Plus the rewards, free fico score and other benefits make this a must have card.
Secured Credit Card - Frequently Asked Questions
What are Secured Credit Cards?
A secured credit card is designed for people who are looking to build or rebuild their credit.
It looks and acts like a traditional credit card except that you provide a security deposit as collateral for your credit card account. Your credit line will equal the amount of this security deposit. And like a traditional credit card, as you use your credit card, you will need to make payments each month and your credit card account use is reported to the three major credit bureaus. So your on-time payments and responsible use can help build your credit.
Starting eight months after you've been a secured credit card member, we'll review your account monthly to see if we can return your security deposit while you continue to enjoy your card benefits. These reviews will look for your responsible credit use across all your cards and loans, not just with Discover.
What do I need to apply?
You will need to be at least 18 years of age, have a Social security number, U.S. address and U.S. bank account, and provide all the required information in the online application.
Be sure to have your bank routing number and account number handy when you apply.
Applications are taken 24X7 .
Will my Discover credit card say "secured" on it?
No, your credit card will not say "secured" on it. It will look like a regular credit card and will be accepted anywhere Discover is accepted.
How can this credit card help me build my credit?
We report your payment history to the three major credit bureaus. So with on-time payments and responsible use, your Discover it& Secured Credit Card can help you build your credit history.
How and when do I pay the security deposit?
You pay the security deposit online as part of the application process.
A minimum security deposit of $200 is required to open this account. Your maximum credit limit (up to $2500) will be determined by your income and ability to pay. Make sure to have your bank routing number and account number handy when you apply.
Will applying for this secured credit card generate an inquiry on my credit report?
Yes, if you submit an application, an inquiry will be placed on your credit file.
The impact of this inquiry to each person's credit score differs.
How do I return to an application I have started?
to search for an application you have already started.
Can I get my security deposit back?
If you pay your balance in full and close your credit card account, we'll refund your security deposit, which can take up to two billing cycles plus ten days.
We'll also automatically review your credit card account monthly, starting at eight months, to see if we can return your security deposit while you continue to enjoy your card benefits. These reviews are based on responsible credit management across all of your credit cards and loans, including Discover and others.
How is the Discover it & Secured Credit Card different from other credit cards?
Discover offers a unique set of secured credit card benefits, including cash back on every purchase, 100% U.S.-based customer service available day or night, and more.
How is the Discover it & Secured Credit Card different than pre-paid or debit cards?
The Discover it & Secured Credit Card can build your credit history since it reports your payments to the three main credit bureaus. Generally, pre-paid cards and debit cards do not.
Does my security deposit cover monthly payments as I use my secured credit card?
No, the security deposit does not cover your monthly payments. You must still pay at least your minimum payment due on time each month.
Does my security deposit earn interest?
No, the security deposit does not earn interest.
How can I apply to increase my credit line?
You can apply to increase your credit line, which would have to be secured by adding to your security deposit, by calling us at 1-800-347-3085.
You must have received your first monthly statement to be eligible to apply to increase your credit line.
Please have your bank information ready when you call.
What type of credit do I need to qualify for this card?
This card is for people new to credit as well as people looking to rebuild their credit. To determine if you qualify for an account, we review the information that you provide on the application, information in your credit report, as well as other information we may have about your creditworthiness. If you are not approved, we will provide you with the score we obtained, which credit reporting agency it was obtained from, and the reasons we could not approve your application.
Can I be declined for the Discover it & Secured Credit Card?
Yes, as with any credit card, you may be declined based on the information you provide in your application and your credit history. Factors such as income, pending bankruptcy, and debt may impact your ability to be approved. The Discover it & Secured Credit Card also requires a security deposit so you would be declined if you do not provide this deposit as part of your application.
Will a bankruptcy prevent me from getting approved for the Discover it & Secured Credit Card?
A Chapter 7 bankruptcy on your credit history will not prevent you from being approved for the Discover it & Secured Credit Card. Any pending, non-chapter 7 bankruptcy will prevent you from being approved.
If I am approved, how long until I receive my secured credit card?
Once your application is approved, you can expect to receive your card in about two weeks, which is the typical time needed for us to withdraw your security deposit, confirm the funds transfer is successful, set-up your account, and deliver your card via First Class mail.
&2017 Discover Bank, Member FDIC
Here?s how the secured card works:
Thanks for checking out the Discover it& Secured Credit Card! Here's why you want a Secured Credit Card..
Because it can help build or rebuild your credit with responsible use
A secured credit card is a real credit card. Not a prepaid card or debit card.
Generally, prepaid cards and debit cards do not report to the 3 major credit bureaus. But the Discover it&
Secured Credit Card reports your activity so you can build a credit history.
That means responsible use today could brighten your choices in the future.
Your credit card comes packed with Discover it&
We believe that annual fees are ridiculous. And we also believe in Cash Back on every purchase, 100% U.S.-based Customer Service and more.
Once you start building your credit history, you can also get your FICO&
Credit Score for free on monthly statements and online. So you can stay on top of your credit.
Here's how it works. It's easy!
First, apply today for your secured credit card with a security deposit of $200 or more. Your credit line will match your security deposit, up to the amount we can approve. So if you deposit and are approved for $500, you'll get a $500 credit line.
Then use your credit card, earn Cash Back Bonus on every purchase and pay on time each month to help build your credit history. Apply today and enjoy your Discover it&
Secured Credit Card.
1.&&Discover reports your credit history to the three major credit bureaus so it can help build your credit if used responsibly.
Late payments, delinquencies or other derogatory activity with your credit card accounts and loans may adversely impact your ability to build credit.
2.& FICO& Credit Score Terms: Your FICO&&Credit Score and key factors are based on data from TransUnion and may be different from other credit scores. This information is intended for and only provided to Primary cardmembers who have an available score. See
about the availability of your score. Your score and key factors are available
and your score is provided on statements. You will see up to a year of recent scores online starting when you become a cardmember. Discover and other lenders may use different inputs, such as a FICO&&Credit Score, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.
<meta itemprop="description" content="The Discover it& Secured Credit Card can help you build or rebuild credit with responsible use, all with cash rewards on every purchase.
Your card comes with all the Discover it& benefits including no annual fee, cashback on every purchase and 100% U.S. based customer service and many more.
A security deposit of $200 or more is required when you sign up, and your credit line will equal that amount or the amount that we can approve.
Apply now and get on the right track to building your credit today!">
&2017 Discover Bank, Member FDIC
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This JavaScript enables OnlineOpinion, a method for collecting secure feedback data.来美国三年，我开通了近十张信用卡，总额度 5 万多美元，其中 Barclaycard Arrival Plus 额度最高，为 11,000 美元。我从来没有申请过提高额度，因为已经够用了。
刚来美国的很多人都会遇到这个问题：没有信用记录，向银行申请信用卡可能会被拒绝。然而要建立自己的信用记录，你又需要信用卡。要想打破这个「鸡生蛋还是蛋生鸡」的恶性循环，很多银行推出了 “secured credit card” -- 即「押金信用卡」。
从零开始建立信用记录
所谓「押金信用卡」，即你在账户里预存一笔钱，这些钱就是你的信用额度（credit line）。这张卡的功能和信用卡一样，但实际上使用的是自己的存款、不是从银行透支。另外参见我另外一篇文章，。
我的第一家银行是 PNC Bank。当时要存工资，Ray 建议 PNC 或者 CapitalOne，因为他觉得 Bank of America 的服务较差。CapitalOne 附近网点较少，而 PNC 就在公司对面，开户之后顺便申请了 PNC 的 Secured Visa -- 这是我在美国的第一个信用账户。
到了第二年的时候，随着信用记录的增长和分数的提高，开通了好几张信用卡，有段时间每天都能收到各大银行的信用卡广告，觉得没必要在 PNC 的 secured visa 里放着几百美元，于是就取消了这个账户。
后来才知道，这是一个很不明智的决定。为了延长信用历史，最早开的信用卡即使额度很低、福利很少，甚至是 secured credit card，也尽量不要取消，否则对你的信用分数有较大的负面影响。可参考我的另外一篇博文，。
Discover 是我在美国第一张真正的信用卡
Discover 的卡是师妹 Yan 引荐的。她是 Discover 的客户，我来美国后不久她就回国发展了，临行前聚餐，听说我的卡是 secured card，就介绍我办理 Discover 信用卡；这是我在美国第一张真正的信用卡。
很多人初来美国办理的第一张信用卡都是 Discover，主要原因有：
Discover 信用卡的门槛低、批准率高。
每季度有按类别轮换的 5% 消费返现，而且没有年费。对于刚来美国、信用分数不高的人来说，通常很难申请到消费返点的信用卡。
常年有朋友引荐计划，，等你开始使用之后，我们双方都会获得 50 美元的奖励。
Discover 帐号提供，对初来美国的人来说很实用。
收到 Discover 卡的时候，打电话开通，我问客服，「我知道信用卡有不同的种类，Visa、MasterCard 之类，咱们银行的卡是哪一种？」客服回答，「这个问题问得好，Discover 卡不是 Visa 也不是 MasterCard，我们本身就是一种单独的信用卡种类，blahblahblah。」我估计所有的客服在说「这个问题问得好」的时候，心里其实都在想，「靠，什么人才会问这种白痴的问题？」
不管怎样，我当时确实不知道还有一种卡叫 Discover。我以为信用卡就只有 Visa 和 MasterCard。有了半年以上信用记录之后，可以试试 Chase Freedom，这也是一张批卡门槛低、0年费、开卡奖励较高、有1-5%返现的新人神卡，。
在美国建立信用记录很重要
我刚来美国就买了车，当时在 PNC 银行咨询贷款，客户经理 Henry 说，「我也很想做成你的生意，可是我们银行要至少两年的信用记录，我也没办法。」为了尽快建立信用记录，他建议我尽快申请至少两、三张信用卡。
Henry 是华人后裔，非常友善，我很多事情都去问他。我说，没关系，我就是顺便来问问。我本来已经做好了付全款的准备，只是听说如果买房、买车这种大宗消费，如果分期付款、准时还款，对提升信用记录很有帮助，所以想试试。Henry 说，那倒是真的，不然你去看看经销商的信用联盟，他们也许会批。最后谁都没批。因为没有驾驶记录，汽车的保险费也很高。此外，很多业主和公寓的物业公司，在租房的时候也是要核实信用记录甚至租房记录的，大概是担心付不起房租或者搞破坏？
很多金融机构对信用记录的最低要求是两年。我的朋友 Liz 是土生土长的美国人，去中国学习和工作了一段时间，回美国一年多的时候想换车，银行就不肯贷款给她。
今年初的时候我开始看房子，打算在 VA 地铁边上先买个 Condo 暂住，原因有两个：一是过两年如果离开 DC，Condo 可租可售，比 Townhouse 和 Single House 好处理；二是因为信用记录较短，银行贷款的额度也比较低，Condo 会便宜一些。
同事 Ray 是美国出生和长大的华裔，他在 DC 买房（Adams Morgan, 很好的地段），用的是父亲的名义，因为他刚毕业，信用记录不长，贷款利率会很高，而他父亲则可以获得很低的利息。不过，因为他父亲在另一个州，不在 DC 居住，所以这套房子对于他父亲来说是「投资」、不是「居住」，所以税会高一些。终究不能万全。
回顾刚来美国时的经历，因为没有信用记录，所以我想申请分期付款来快速提升记录；然而恰恰是因为没有信用记录，所以银行不能给我贷款。当你缺钱的时候，银行不敢贷款给你。当你不缺钱的时候，银行拼命想贷款给你。这是悖论；所以万事开头难，我们要做的就是努力打破恶性循环、建立良性循环。
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Derek Yang
Derek Yang（戴睿可）来自湘西农村，毕业于北京大学，曾在广东中山电视台、北京盛唐传扬公关公司、迪思传媒集团工作，2012 年底移居美国首都华盛顿特区。博客主要是个人经历，因访客逐渐增多，很多实用的经验已迁移至新站「」，以帮助更多刚来美国的人。最近我在试验一个帮助农村高年级学生规划人生的「」，欢迎转发扩散。添加微信请。你需要知道的信用卡英文词汇-宜人贷问答
你需要知道的信用卡英文词汇
xiansm3699
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coin call投币
conference call会议
credit card call信用卡
crossed lines干扰
direct dial call直拨
domestic call国内
exchange number交换台号码
emergency call急救
person-to-person call叫人
public telephone公用
long distance call长途
local call市内
mouth piece传话机
intercom system对讲机系统
overseas call国际
party line同线
radio telephone无线
telephone book本
telephone booth亭
telephone number号码
telephone office电信局
service meter通话次数表
station-to-station call叫号
switchboard总机
wireless transceiver无线电对讲机
留下联络处
A：This is Deng—Robert Deng from Taiwan. I'd like to speak with your Director.
我姓邓，台湾的Robert邓。请您们主任听。
B:Mr. Jones is not in right now. May I take a message?
Jones 先生现在不在，您要不要留话？
A：Yes. Could you ask him to call me at the Hilton Hotel, Room No. 579?
好，请转告他打到希尔顿店，579号房来找我，好吗？
B:Certainly, Mr. Deng. Hilton Hotel, Room 579?
没问题，邓先生，希尔顿579号房吗？
A：That's right. Thank you.
没错，谢谢您。
1.This is……我是……。在中说明“我是谁”时，是用“This is……”，而不是“I am”。
2.I'd like to……等于“I would like to……”——“我想……”。“would like”为“want”的客气用法。
3.speak with …… 找……听；与……讲话
4.in 在（家、办公室）中。此处的“in”不是介系词，而是副词。
5.right now 现在。“right”为副词，意思是“正是”，为强调的用法。
6.take a message （帮人）留话。“take”是“记下；记录”，“message”是“口信；传话”。
7.No n. “No”是“number”的缩写，通常放在数目字的前面，表示“第……号”，如“No. 3”，即是“第三号”。
8. certainly adv. 当然可以；好（口语用法）
CALLER:请转告他打到……找我
Could you ask him to call me at……？
这句型适用于找不到对方，或对方有事不能前来接听时，留下自己的联络处，请其回电。
“at”之后可接地点或号码。“could”是请求或征询时的助动词，用于请求、委
托时，语气谦和客气。
Would you tell him to call me at……？
Could you inform* him that I can be reached* at……?
Would you have him get back to me* at……？
* inform v. 通知
* reach v. 能联络得到
* get back to (someone) 回（某人）
RECEIVER：他不在，您要留话吗？
I take a message?
这句话适用于“某人”只是暂时不在，而仍会回来之时。请对方留话即表示自己将告知
“某人”，请其主动联络，而不必劳烦对方再打来。“may”是用于请求或征询时的助
动词，也可用“can”代替，不过“may”在语气上较为客气。
Mr. Jones is out* at the moment*. Would you like to leave a message?
Mr. Jones is not available* right now. May I give him a message for you?
Mr. Jones is away from his desk*. Can I take a message?
* out adv. 外出；不在
* at the moment 现在；此刻
* available a.是指“找得到人；在此处”的意思
* away from one's desk不在位子上
1. ABC corporation. May I help you?
打用语总结
情况 (一) 打的人找的是你自己
你 (接的人)
Is Daisy there? (Daisy 在吗?) Speaking. 我就是。
This is she. 我就是。 (注: 男的用 "This is he.")
You're speaking/talking to her. 你正在跟她说话。 (注: 男的用 "You're speaking/talking to him.")
This is Daisy. 我就是 Daisy。
That's me. 我就是。
情况 (二) 打的人要找的人不在
你 (接的人)
May I speak to Mr. Gates? (请问 Gates 先生在吗?)
He's not here right now. 他现在不在这里。
He's out. 他出去了。
He's in a meeting right now. 他现在正在开会。
You've just missed him. 你刚好错过他了。
He's just stepped out. 他刚好出去了。
情况 (三) 打的人要找的人不在, 问对方是否要留言
你 (接的人)
Can I talk to Mark? (我可以跟 Mark 讲话吗?)
He's out on his lunch break right now. Would you like to leave a message? 他出去吃午饭了, 你要留
He's not available right now. Can I take a message? 他不在, 我可以帮你传话吗?
情况 (四) 打的人问他要找的人何时回来
你 (接的人)
Do you know when he will be back? 你知道他什么时候会回来吗?
I'm sorry. I don't know. 抱歉, 我不知道。
I have no idea. 我不知道。
He should be back in 20 minutes. 他应该二十分钟内会回来。
情况 (五) 打的人问他要找的人在哪里
你 (接的人)
Do you have any idea where he is? 你知道他在哪里吗?
Sorry. I don't know. 抱歉, 我不知道。
He's at work right now. Do you want his phone number?
他现在在上班。你要不要他的号码?
情况 (六) 打的人要找的人不在, 愿意接受对方的留言
你 (接的人)
Can I leave a message? 我可以留个话?
Yes. Go ahead, please. 可以, 请继续。
Of course. Hold on for just a second so I can grab a pen and paper. 当然, 稍等一下让我拿个纸笔。
Sure, if you can excuse me for just a second. Let me find a piece of paper to write it down.
当然, 如果你可以等我一下下, 让我找张纸写下来。
情况 (七) 接受对方留言时听不清楚, 希望对方重复
你 (接的人)
When he comes back, can you have him call me at (206) ?
他回来后, 能不能让他打 (206)
这个号码给我?
Can you repeat again, please? 能不能请你再重复一次?
(Say) Again, please? 再说一次好吗?
Pardon? 抱歉。(请再说一次)
Come again, please? 再说一次好吗?
I'm sorry? 抱歉。(请再说一次)
情况 (八) 对方希望留话, 怕听错了, 不想接受对方的留言
你 (接的人)
May I leave a message? 我能否留个话?
You know what? My English is not that great, and I don't want to miss anything. Would you
mind calling back later? I'm sorry.
你知道吗? 我的英文不是非常好, 我不想听错话。你介意稍后再打来吗? 我很抱歉。
If you don't mind, could you please call back and leave a message on the answering machine? My
English is not very good.
如果你不介意的话, 能否请你再打一次, 然后在录音机上留言? 我的英文不是很好。
情况 (九) 打的人要找的人是别人, 请对方稍等
你 (接的人)
Is Brandon there? Brandon 在吗?
Yes, he is. One moment, please. 他在。请稍等。
Hold, please. 请稍等。
Hold on, please. 请稍等。
Let me see if he's here. Hang on. O.K.? 我看看他在不在。等一下, 好吗?
情况 (十) 对方打错
你 (接的人)
Can I speak to Alexander Walker? 我可以和 Alexander Walker 说话吗?
Alexander Walker? I'm sorry, but there's nobody here by this name. Alexander Walker? 抱歉, 这里
没这个人。
I'm sorry. I'm afraid you've got the wrong number. 抱歉, 恐怕你打错了。
What number did you dial? 你打几号?
情况 (十一) 跟对方要求跟(打的人)刚刚已经通过话的人再讲话
你 (接的人)
Can you put Daisy back on? I forgot to tell her something. 你能否请Daisy再来听呢? 我忘了跟她
讲一件事。
Sure. I'll go get her. 当然! 我这就去叫她。
情况 (十二) 没人接(或录音机)
你 (接的人)
Is he there? 他在吗?
No one is there. 没人在。
Nobody answered. 没人接。
No. I got the answering machine. 没有! 是录音机。
情况 (十三) 打不通
你 (接的人)
Did it go through? ()打通了吗?
The line was busy. 忙线。
I got the busy signals.. 忙线。
情况 (十四) (因自己忙等原因)请别人去接
Paul, can you answer the phone? I'm busy. Paul, 你能不能去接? 我在忙。
Can you get it, Paul? My hands are tied. Paul, 你能不能去接? 我现在不能接。
Yes, dear. 是的, 亲爱的。
情况 (十五) 接到无人(就是打来了却不说话的那种)
你 (接的人)
Who called? 谁打来的?
No one. He hung up on me. 没人。他把挂了。
Wrong number, I guess. He hung up without saying a word. 打错了, 我想。他一句话也没说就把电
这一篇的「对答篇」 整理了几个录音机留言的参考范例。所有的例子都可以按自己的需要混合着
16. 范例 (一)
嗨!我是Abby。我现在不在家。请留言。 Hi! This is Abby. I'm not home right now. Please leave a
17. 范例 (二)
嗨!这里是555-5555。我们现在不在。请留言。谢谢! Hi! This is 555-5555. We're not here. Please
leave your message. Thank you.
18. 范例 (三)
嗨!我是Brenda。我现不能接。请你留言。我会尽快回你的。 Hi! This is Brenda. I can't come
to the phone at this time. Please leave a message and I'll call you back as soon as possible.
19. 范例 (四)
嗨! 我是Aaron。我现在不是不在办公室里, 就是在中。请你留言。我会马上回你。 Hi, this is
Aaron. I'm either away from my desk, or on the phone. Please leave a message and I'll get right back
20. 范例 (五)
嗨! 我是Ivy。对不起! 我错过你了。请在「嘟」声后留言。等我进来后就会回你。谢谢。 Hi, this is
Ivy. Sorry. I missed you. Please leave a message at the tone. I'll get back to you when I get in.
回答者：李***生 |
301. Did you enter the contest? 你参加比赛了吗?
302. Do you accept credit cards? 你们收信用卡吗?
303. Don't cry over spilt milk． 不要做无益的后悔。
304. Don't let chances pass by． 不要让机遇从我们身边溜走。
305. He owned himself defeated． 他承认自己失败了。
306. He seems at little nervous． 他显得有点紧张。
307. He strolls about the town． 他在镇上四处遛达。
308. Her tooth ached all night. 她牙疼了一整夜。
309. How about a drink tonight? 今晚喝一杯怎样?
310. I can do nothing but that. 我只会做那件事。
311. I get hold of you at last． 我终于找到你了。
312. I have a surprise for you．我有一个意想不到的东西给你看。
313. I like all kinds of fruit． 我喜欢各种各样的水果。
314. I saw it with my own eyes． 我亲眼所见。
315. I will arrange everything． 我会安排一切的。
316. I wish I knew my neighbor． 我很想认识我的邻居。
317. I would like to check out． 我想结帐。
318. It has be come much cooler． 天气变得凉爽多了。
319. It's time you went to bed． 你早就该睡觉了。
320. No spitting on the street． 禁止在大街上吐痰。
321. She was totally exhausted． 她累垮了。
322. Show your tickets，please． 请出示你的票。
323. Thank you for your advice． 谢谢你的建议。
324. That's the latest fashion． 这是最流行的款式。
325. The train arrived on time． 火车准时到达。
326. There go the house lights． 剧院的灯光灭了。
327. They are paid by the hour． 他们按时取酬。
328. Things are getting better． 情况正在好转。
329. Wake me up at five thirty． 请在五点半叫醒我。
330. We are all busy with work． 我们都忙于工作。
331. Where do you want to meet? 你想在哪儿见面?
332. You can get what you want． 你能得到你想要的。
333. A barking dog doesn't bite! 吠犬不咬人。
334. Are you free this Saturday? 你这个星期六有空吗?
335. Be careful not to fall ill． 注意不要生病了。
336. Being a mother is not easy． 做一个母亲是不容易的。
337. Brevity is the soul of wit． 简洁是智慧的精华。
338. Cancer is a deadly disease． 癌症是一种致命的疾病。
339. Did you fight with others? 你又和别人打架了吗?
340. Don't dream away your time． 不要虚度光阴。
341. Don't keep me waiting long． 不要让我等得太久。
342. He has a remarkable memory． 他有惊人的记忆力。
343. He has completed the task． 他完成了这个任务。
344. He has quite a few friends． 他有不少的朋友。
345. He is capable of any crime．他什么样的坏事都能干得出来。
346. He walks with a quick pace． 他快步走路。
347. He was not a little tired． 他很累。
348. His looks are always funny． 他的样子总是滑稽可笑。
349. How about going to a movie? 去看场电影怎么样?
350. I think I've caught a cold．我想我得了感冒。
351. I was taking care of Sally. 我在照顾萨莉。
352. I wish I lived in NEWYORK． 我希望住在纽约。
353. I'm very glad to hear that． 很高兴听你这样说。
354. I'm your lucky fellow then. 我就是你的幸运舞伴啦!
355. It's none of your business! 这不关你的事儿!
356. No littering on the campus． 在校园内不准乱丢废物。
357. She is a good-looking girl. 她是一个漂亮女孩。
358. She mended the broken doll． 她修补了破了的洋娃娃。
359. So I just take what I want． 那么我只拿我所需要的东西。
360. Spring is a pretty season， 春天是一个好季节。
361. The figure seems all Right． 数目看起来是对的。
362. The stars are too far away． 星星太遥远了。
363. The whole world knows that． 全世界都知道。
364. Tomorrow will be a holiday． 明天放假。
365. We walk on the garden path． 我们走在花园小径上。
366. What you need is just rest． 你需要的就是休息。
367. What's your favorite steps? 你最喜欢跳什么舞?
368. You'd better let her alone．你们最好是让她一个人呆会儿。
369. A lost chance never returns． 错过的机会永不再来。
370. Don't let this get you down． 不要为此灰心丧气。
371. He shot the lion with a gun. 他用枪把狮子打死了。
372. I don't think you are right． 我认为你是不对的。
373. I have never seen the movie． 我从未看过那部电影。
374. I haven't seen you for ages． 我好久没见到你了。
375. I was alone，but not lonely．我独自一人，但并不觉得寂寞。
376. I went there three days ago． 我三天前去过那儿。
377. It's a friendly competition． 这是一场友谊赛。
378. It's very thoughtful of you． 你想得真周到。
379. May I speak to Lora，please? 我能和劳拉说话吗?
380. Mr.Wang is fixing his bike． 王先生在修他的自行车。
381. My brother is see king a job． 我弟弟正在找工作。
382. Nancy will retire next year． 南希明年就退休了。
383. Neither you nor he is wrong． 你没错，他也没错。
384. Opportunity knocks but once． 机不可失，时不再来。
385. She dressed herself hastily． 她匆忙穿上衣服。
386. She hired a car by the hour．她租了一辆按钟点计费的汽车。
387. Someone is ringing the bell． 有人在按门铃。
388. The Smiths are my neighbors. 史密斯一家是我的邻居。
389. These shoes don't fit right． 这双鞋不太合适。
390. This is only the first half． 这才是上半场呢。
391. This pen doesn't write well． 这钢笔不好写。
392. Would you like a cup of tea? 你想喝杯茶吗?
393. You really look sharp today． 你今天真漂亮。
394. Another cat came to my house． 又有一只猫来到我家了。
395. Check your answers with mine．把你的答案跟我的核对一下。
396. Don't keep the truth from me． 别瞒着我事实真相。
397. Everything has its beginning． 凡事都有开端。
398. He came to the point at once． 他一下子就说到了点子上。
399. He fell behind with his work． 他工作落后了。
400. He is the happiest man alive. 他是世界上最快乐的人。 401. He neither smokes nor drinks． 他既不抽烟也不喝酒。
402. He ran his horse up the hill． 他策马跑上小山。
403. He reminds me of his brother. 他使我想起了他的弟弟。
404. He was efficient in his work． 他工作效率高。
405. He will do anything but work．只要不是干活，他干什么都行。
406. His father runs a restaurant． 他的父亲经营一家餐馆。
407. I have something to tell you． 我有事要告诉你。
408. I smelled a smell of cooking． 我闻到了烧菜做饭的味道。
409. I want to see the film again． 我真想再看一遍。
410. I've got too much work to do． 我要做的工作太多了。
411. Let's go for a walk，shall we? 咱们出去走走，好吗?
412. Please let me check the bill． 请让我核对一下帐单。
413. Plenty of sleep is healthful． 充足的睡眠有益于健康。
414. The sun comes up in the east． 太阳从东方升起。
415. This is because we feel pain． 这是因为我们能感到疼痛。
416. What do you desire me to do? 你想要我做什么?
417. What you said was quite true. 你所说的完全符合事实。
418. You can either stay or leave． 你或者留下或者离开。
419. Your life is your own affair． 你的生活是你自己的事。
420. All that glitters is not gold． 发闪光的不全是黄金。
421. Are you going to have a party? 你要举行聚会吗?
422. Aren't you concerned about it? 难道你不担心吗?
423. Don't forget to keep in touch． 别忘了保持。
424. He broke his words once again. 他又一次违背了诺言。
425. He is in his everyday clothes． 他穿着平常的衣服。
426. He is taller than I by ahead． 他比我高一头。
427. He led them down the mountain． 他带他们下山。
428. He was trained to be a lawyer． 他被培养成一名律师。
429. I am afraid that l have to go． 我要走了。
430. I don't have any cash with me． 我身上没带现金。
431. I have been putting on weight． 我开始发胖了。
432. I have just finished the book． 我刚刚读完这本书。
433. I was late for work yesterday， 我昨天上班迟到了。
434. It appears to be a true story． 这故事似乎是真的。
435. I've got to start working out． 我必须开始做健身运动了。
436. Japan is to the east of China． 日本在中国的东部。
437. John asked Grace to marry him， 约翰向格雷斯求婚。
438. My watch is faster than yours． 我的表比你的表快。
439. New China was founded in l949． 1949年新中国成立。
440. Thanks for your flattering me． 多谢你的夸奖。
441. They charged the fault on him． 他们把过失归咎于他。
442. This car is in good condition． 这车性能很好。
443. This work itself is very easy． 这件工作本身很容易。
444. Truth is the daughter of time． 时间见真理
回答者：g***1 |
labour and material cost index 劳工及材料成本指数
LAF bid and offer rates 流动资金调节机制的借入及拆出息率
laissez-faire policy 自由放任政策
land cost element 土地成本因素
Land Fund [Hong Kong Special Administrative Region Government Land
land revenue 地价收入
land transaction 土地交易
landed cost 抵岸价格；卸岸成本
land-holding company 拥有土地的公司
Laspeyres index formula 拉斯佩尔指数公式
last in, first out method [LIFO method] 后进先出计算法
last recorded price 最后成交价
last trading price 最后成交价
late adjustment 收市后的调整
late stamping 逾期加盖印花
latent reserve 隐藏储备
Law Concerning Merger and Conversion of Financial Institutions of
law cost 讼费
law of bankruptcy 破产法
law of diminishing return 报酬递减规律；报酬递减法则
law of insolvency 破产清盘法
lay member [Council of SEHK] 外界理事〔联交所理事会〕
leading indicator 领先指标；领先经济指标
leap-frogging 跳增
lease 租契；租约
leasehold interest 租赁权益；批租权益
leasehold property 批租土地财产
leave pay 假期工资
ledger 分类帐
Ledger Accounting and Financial Information System [LAFIS] 会计及财务数据系统
ledger book 分类帐簿
legacy 遗产；非土地遗赠
legal charge 法定押记
legal cost 讼费
legal estate 法定产业权
legal fee 法律费用
legal interest 法定权益
Legal, Membership and Secretarial Services Division [Stock Exchange of Hong Kong Limited] 法律、会籍及公司秘书事务科〔香港联合交易所有限公司〕
legal mortgage 法定按揭
legal personal representative 合法遗产代理人
legal tender 法定货币
legal tender notes and coins 法定纸币及硬币
legally binding debt 有法律责任须偿还的债项
legatee 非土地遗赠继承人；受遗赠人
LegCo Ad Hoc Group to Study the Financial Arrangements for the New Airport and Related Projects 立法会议员研究新机场及有关工程财政事宜小组
LegCo Panel on Economic Services 立法会经济事务委员会
LegCo Panel on Financial Affairs 立法会财经事务委员会
LegCo Subcommittee on the Financing of Airport Core Programme 立法会研究机场核心计划财政事宜小组委员会
Lehman Brothers Finance Limited 美国雷曼兄弟财务有限公司
lender 贷款人；借出人；放款人
lender of last resort system 最后贷款人制度
lending 贷款；放款
lending agreement 借贷协议
lending margin 贷款利率差价
lessee 承租人
lessor 出租人；批租人
letter of administration 遗产管理书
letter of allotment 配股通知书
letter of assurance 保证书
letter of comfort 银行证明书；信心保证书
letter of confirmation 证实书；确认书
letter of credit [L/C] 信用证；信用状
letter of guarantee 保证书
letter of hypothecation 押汇质权书；银行抵押书；质押书
letter of indemnity 赔偿保证书；认赔书；偿还税款保证书
letter of indication 签印证明书
letter of intent 意向书
letter of release 同意释款书
letter of renunciation 放弃书
level off 趋向平稳；趋平
level playing field 公平竞争的环境
leverage 杠杆作用；杠杆比率
leveraged buy-out 杠杆式收购
leveraged foreign exchange contract 杠杆外汇合约
leveraged foreign exchange trader 杠杆式外汇买卖商
leveraged foreign exchange trader's representative 杠杆式外汇买卖商代表
leveraged foreign exchange trading 杠杆式外汇买卖
Leveraged Foreign Exchange Trading Ordinance Arbitration Panel [Securities and Futures Commission] 杠杆式外汇买卖条例仲裁委员会〔证券及期货事务监察委员会〕
leveraged leasing 杠杆租赁；融资租赁
leveraged market 杠杆市场
leviable transaction 可征费交易
levy 征费；征款
liability 负债；法律责任
liability for payment of rates 缴交差饷的法律责任
liable in damages 承担损害赔偿
liable to tax 应纳税；应课税
liberalization 自由化；开放〔市场〕
licence 许可证；牌照；特许文件
licence fee 牌照费
licensed bank 持牌银行
licensed deposit-taking company 持牌接受存款公司
licensed intermediary 持牌中介团体
licensed trader 持牌买卖商
licensee 持牌人；持证人
licensing condition 发牌条件
licensing court 牌照法庭
licensing criterion 发牌准则
Licensing Department [Securities and Futures Commission] 发牌科〔证券及期货事务监察委员会〕
Licensing Information Booklet 《发牌资料册》
lien 留置权；扣押权
life and annuity business 人寿及年金业务
life assurance 人寿保险
Life Assurance Act [United Kingdom] 《人寿保险法令》〔英国〕
life assurance policy 人寿保单
life boat loan 救市贷款
life insurance 人寿保险
life insurance corporation 人寿保险法团
Life Insurance Council of Hong Kong 香港寿险总会
life insurance fund 人寿保险基金
life interest 终身权益
Life Underwriters Association of Hong Kong 香港人寿保险从业员协会
life-long product 终身产品
light trading 交投稀疏；交投疏落
Lloyd's underwriter 劳合社承保人
loan 借贷；贷款；借款
loan account 贷款账户；放款账户
loan agreement 贷款协议
loan capital 借贷资本
loan ceiling 贷款限制
loan creditor 贷款债权人
loan finance facility 借款融通
loan for financial investment 金融投资贷款
Loan Fund 贷款基金
loan interest 贷款利息
loan loss reserve 贷款损失储备金；贷款损失准备
loan officer 贷款人员
loan outstanding 未偿贷款；尚欠的贷款
loan portfolio 贷款组合
loan repayment 贷款还款
loan shark 高利贷者；“大耳窿”
loan stock 债权股额；贷款债券
loan syndicate 贷款银团
loan-to-deposit ratio 贷款与存款比率
loan-to-valuation ratio 贷款与估值比率
local branch 本地分行
local cost 本地成本
local inflation 本地通胀
local inflationary pressure 本地通胀压力
local production 本地产量
local representative office 本地代表办事处
local value-added content 本地加工价值成分
locality of profit 利润来源
locally incorporated bank 本地注册银行
locally incorporated deposit-taking company 本地注册接受存款公司
long 好仓；多头；买空
long month 远期月份
long position 长仓；好仓；多头；长盘
long-range planning 长远计划
long-term business 长期业务
long-term business assets 长期业务资产
long-term business fund 长期业务基金
long-term business liabilities 长期业务负债
Long-Term Credit Bank of Japan, Limited 日本长期信用银行
long-term debt 长期债项
long-term fund 长期基金
long-term policy 长期保险单
long-term rating 长期评级
long-term receivables 应收长期帐项
long-term supplement 长期个案补助金
loss 亏损；损失
loss brought forward 承前亏损
loss carried forward 结转亏损
loss portfolio 损失组合
lost instrument 遗失票据
lot “一手”〔最低交易单位〕
Lotteries Fund 奖券基金
lottery 奖券
low and simple taxation 税率低而简单的税制
low base of comparison 比较基数偏低
low value-added 低增值
lower income relief 较低入息宽免
lowest conforming tender 符合要求而索价最低的投标
lowest tender 索价最低的投标；出价最低的投标
lowest tender to specifications 符合规格而索价最低的投标
lump sum payment 整笔付款
Luxembourg Monetary Institute 卢森堡金融协会
Luxembourg Stock Exchange 卢森堡证券交易所
obligation 债项；责任；义务
obligation bond 债务债券
obligee 受惠人
occupational retirement scheme 职业退休计划
Occupational Retirement Schemes Division 退休计划部〔财经事务局〕
odd lot 散股；碎股；零股
odd lot broker 散股经纪
OECD country 经济合作及发展组织国家；经济合作及发展组织的成员国
OECD stock market 经济合作及发展组织国家的证券市场
off-balance-sheet exposure 资产负债表外的风险
off-balance-sheet financing 帐外融资；资产负债表外的融资
off-balance-sheet item 资产负债表外的项目
off-balance-sheet transaction 帐外交易；资产负债表外的交易
offer 要约；建议；收购
offer by tender 招标发售
offer document．Nbsp 要约文件；建议文件
offer for sale 要约出售
offer for subscription 公开招股
offer mechanism 招股机制
offer of shares for public subscription 公开招股
offer period 要约期
offer price 要约价；发盘价
offer rate 拆出息率
offer to buy 要约买入
offer to lend 要约贷出
offer to sell 要约卖出
offeree 受要约人
offeree company 受要约公司
offeree shareholder 受要约公司的股东
offeror 要约人
offeror company 要约公司；提出要约公司
off-floor terminal 离场交易终端机
off-floor trading 离场交易
office of profit 有收益的职位
Office of the Commissioner for Securities and Commodities Trading 证券及商品交易监理专员办事处
Office of the Commissioner of Banking 银行业监理处
Office of the Commissioner of Insurance 保险业监理处
Office of the Exchange Fund 外汇基金管理局
Office of the Telecommunications Authority Trading Fund 电讯管理局营运基金
Official Administrator 遗产管理官
official emolument 官职薪酬
official listing 正式上市
official rate 法定汇率；官价
Official Receiver 破产管理署署长
Official Receiver's Office 破产管理署
official trustee 法定受托人
off-market dealing 场外买卖
offset 抵销；弥补；冲销
offsetting position 相抵持仓
offshore bank 离岸银行
offshore borrowing 海外借款
offshore borrowing transaction 海外借款交易
offshore business 海外业务
offshore currency deposit market 海外货币存款市场
offshore fund 离岸基金
offshore interest 海外利息
offshore reinsurance income 离岸再保险入息
Offshore Supervisors Group 离岸监理组织
off-site review 非实地审查
off-site scrutiny 非实地审核
Ogaki Kyoritsu Bank, Ltd. 大垣共立银行
omission of income 漏报入息
omission of profit 漏报利润
on account basis 记帐方式；赊帐方式
on-balance-sheet item 资产负债表内的项目
on-cost 间接成本；间接费用；附加行政费用
one board lot of securities “一手”证券
"one building" condition “ 一家分行”的规定
one day rolling currency futures 单日掉期外汇期货
one day rolling currency futures contract 单日掉期外汇期货合约
one price 单一价格；不二价
one-line vote 整笔拨款
one-off grant 一次过拨款
one-off item 非经常项目
one-off payment 一次过拨款；单一笔款项
one-off subsidy 一次过补贴
onerous tax 繁苛税项；繁重税率
on-floor order 场内买卖盘
on-lending 转借
on-site examination 实地审查
open a position “做仓”；开仓
open account 未清账户；记帐交易；往来账户
open contract 未平仓合约
open economy 开放经济
open interest 未平仓合约数量
open market 公开市场
open market value 公开市场价值；市值
open offer 公开售股〔上市方式〕
open order 开仓订单
open outcry 公开叫价；公开喊价
open position 未平仓交易
open price 开仓价格
open tender 公开投标
open-end fund 开端基金
open-ended investment corporation 股份不定的投资公司
opening balance 期初结余
opening price 开盘价格；开市价
opening quotation 开市价；开市行情
opening rate 开盘汇价
operating account 营业帐目；营业账户；经营帐目
operating agreement 营运协议
operating cost 营运成本；运作成本；操作成本
operating deficit 营业亏损；经营赤字
operating expenditure 经营开支；营运开支；营业支出
operating expenses 营运开支；营业费用
operating income 营运收入；营业收入
operating loan 经营业务所需贷款
operating profit 营业利润
operating revenue 营运收入；营业收益
operating services account 营运服务帐目
operating statement 经营收支表；营业损益表
operating surplus 经营盈余；营业盈余
operation 经营；营运；投产
operational fund 经费
operative aggregate 现行总体数字
operator 经营者；营运者；营办商
opportunity cost 机会成本
optimist “好友”
optimum rate of expenditure 最适当支出率
option 期权；认购权；选择权；选购权
option contract 期权合约
option money 期权费
option on a futures contract 期货合约期权；期货期权
option on commodities 商品期权
option position 期权持仓量
option premium 期权金；期权溢价
optional stipulation 选择性规定
Options Clearing Corporation 期权结算公司〔芝加哥〕
Options Clearing House Pty Limited
Options Clearing Rules 《期权结算规则》
options market 期权市场
options market maker 期权“庄家”
options pricing model 期权定价模式
options trading 期权交易
options trading member 期权交易会员
Options Trading Rules 《期权交易规则》
order 订单；命令；买卖盘
order cheque 记名支票；抬头支票
order for payment of money 付款指令票据
order for purchase 订购书
order for redirection 转寄令
order for sale 售卖令
order of discharge 破产解除令
order of foreclosure absolute 绝对止赎令
order of mail transfer 信汇委托书
order to pay admitted debt 偿付承认债项令
order-based system 以买卖盘为基础的制度期权结算所有限公司〔悉尼〕
ordinary annual contribution 经常性每年捐款
ordinary course of business 通常业务运作
ordinary creditor 普通债权人
ordinary share 普通股
ordinary share capital 普通股股本
organization expenses 开办费
Organization for Economic Co-operation and Development 经济合作及发展组织〔经合组织〕
Organization of Petroleum Exporting Countries 石油出口国组织
Orient First Capital Limited 建银财务（香港）有限公司
original estimates 原来预算
original executor 原遗嘱执行人
original issue price 原本发行价
original margin 原始保证金；基本按金
original mortgagee 原承按人
original mortgagor 原按揭人
original receipt 收据正本；收条正本
original securities 原有的证券
ORIX Asia Limited 欧力士（亚洲）有限公司
ornament gold 饰金
Osaka Securities Exchange 大阪证券交易所
Oslo Stock Exchange 奥斯陆证券交易所
O.T.B. Card Co. Ltd. 海外信用卡有限公司
ounce troy 金衡安士
outflow of capital 资本外流；资金外流
outflow of fund 资金外流
outflow of money 资金外流
outgoing partner 退出的合伙人
outgoings 支出
outgoings and expenses 支出及开支
outlay 费用；开支；支出
outlying business district 市区外商业区
out-of-hours trading 在正式交易时间以外的交易
out-of-pocket expenses 实付费用；付现费用
out-of-the-money option 无价期权；价外期权
outport collection 外埠代收款项
output 产出；产值；产量
outside dealing 场外买卖；场外交易
outstanding 未偿还；尚未支付
outstanding account 未清帐项；未清帐目
outstanding allocation 应拨未拨的款项
outstanding amount 未偿还的数额
outstanding balance 未清帐款；未清余额
outstanding bill 未偿付票据；未兑现票据
outstanding borrowing 未清偿债项
outstanding claim portfolio 未决申索组合
outstanding commitment 尚未支付的承担额
outstanding derivatives contract 尚未平仓的衍生工具合约
outstanding loan 尚未清还的贷款
outstanding negotiable certificate of deposit 未兑现的可转让存款证
outstanding tax 欠税
outstanding uncapitalized interest 尚未支付且未化作本金的利息
outturn 结算；结算数字
outward document．Ry bill 出口跟单汇票
outward remittance 汇出汇款
over and above inflation 减除通胀因素
overall average internal rate of return 平均总体内部回报率
overall Consumer Price Index 总体消费物价指数
overall domestic export 本地产品出口总额
overall growth rate 整体增长率；总增长率
overall investment 总投资额；总体投资
overall liquidity ratio 总体流动资金比率
overall price relative 全面相对价格
overall surplus 总盈余
overall tally 全面总计
overbuying 超买；买空
over-commitment 超额承担
overdraft 透支
overdraft by banks abroad 海外银行同业透支
overdraft by banks in foreign countries 外国银行同业透支
overdraft by local banks 本港银行同业透支
overdraft by outport banks 外埠银行同业透支
overdraft of an account 户口透支
overdraft on banks 向银行同业透支
overdraft on banks abroad 向海外银行同业透支
overdraft on banks in foreign countries 向外国银行同业透支
overdraft on local banks 向本港银行同业透支
overdraft on outport banks 向外埠银行同业透支
overdraft secured 抵押透支
overdue 逾期
overdue loan 过期贷款
over-employed economy 过度活跃的经济
overhang 剩余承担；未完成的承担额；过剩额
overhead 间接费用；间接成本
overhead cost 间接成本
overheated economy 过热的经济
overheated market 过热的市场
overnight Hong Kong interbank offered rate 香港银行同业隔夜拆息率
overnight liquidity assistance 隔夜流动资金贷款
overnight margin 隔夜保证金；隔夜按金
overnight money 隔夜拆借资金；隔夜钱
overnight position 隔夜头寸
overnight rate 隔夜利率
overpaid amount 多缴数额
overpayment of contribution 多缴供款
overrun 超支
overrun cost 超额费用
Oversea-Chinese Banking Corporation Ltd. 华侨银行有限公司
overseas bank 海外银行
overseas banking corporation 海外银行法团
overseas branch 海外分行
Overseas Companies Section 海外公司注册组〔公司注册处〕
overseas currency balance 海外货币结余
overseas financial institution 海外财务机构
overseas interest 海外利息
overseas investment 海外投资
overseas market 海外市场
overseas representative office 海外代表办事处
Overseas Trust Bank Ltd. 海外信托银行有限公司
Overseas Union Bank Ltd. 华联银行
overselling 超卖；卖空
oversight of markets 监察市场
over-spending 超额支出；超支
overtax 超额征税；征税过重
over-the-counter derivative 场外交易衍生工具
over-the-counter market 场外交易市场
over-the-counter trading 场外交易；柜台交易
over-the-counter transaction 场外交易；柜台交易
overtrading 过量交易
owner-occupier allowance 自住业主津贴
ownership 所有权；拥有权
ownership in common 分权共有权
call option 认购期权
call price 认购价格
call warrant 认购凭单
Capacity 能力/生产能力/设备能力
Capital Account 资本帐户
capital adequacy ratio 资本足够率
capital adequacy ratio 资本足够率
Capital and Labour 资本与劳工
Capital and Liabilities Ratio 资本负债比率
Capital Budget 资本预算
Capital Consumption 资本消耗
Capital Deficit 资本赤字
Capital Expenditure/Expenses 资本开支/费用
Capital Exporting and Recipient Country 资本输出国和资本接受国
Capital Gains Tax 资本收益税
Capital Grants 资本拨款
capital guaranteed 资本保证
Capital Intensive 资本密集
Capital Market 资本市场(指中长期借贷市场)
capital protected 资本保障
Capital Revenue 资本收入
Capitalisation 市值
capped FRN 具上限浮息票据
Carry Back of Losses 移前扣减亏损
Cash Budget 现金预算
Cash Market 现金市场
cash value （保险）现金价值
CBO/CLO (collateralised bond obligation) 抵押保证债券
Central Depository Pte Ltd (CDP) 中央托收公司
Central Limit Order Book (CLOB) 自动撮合国际股市
CEPT 有效普惠关税
cess 餐馆与酒店税
charge card 赊账卡
Chartered Bank 特许银行
classified loan 有问题贷款
close a position 平仓
close-end fund 固额基金
Closing Price 闭市价
CNN 电视电缆新闻网(简称电缆新闻网)
Commodity Tax 商品税
Comparative Advantage 相对优势
Comparative Costs 比较成本
Complete Plant 成套设备
Composite Demand 综合性需求
Concession 优惠/特惠
Concessional loan/terms 特惠贷款/条件
Consolidated Account 综合帐目
Consolidated Profit/Loss 综合盈利/亏损(综合损益表)
Consolidated Tax 综合税
Consolidation (公司的)合并、(帐目的)综合、(货物的)集装、(股市上涨后的)靠稳
Consumption Tax 消费税
contango （期货）顺价、溢价
Contra Trade 对敲交易
contract manufacturer 合同制造商
Conversion Price 转换价
Convertible Loan Stock 可转换债券
Corporate and Personal Income Taxes 公司及个人所得税
Corporate Communications 企业通讯
Corporate Planning 企业策划
Corporate Services 企业服务
Cost Efficiency 成本效率
Cost Inflation 成本性通货膨胀
Counter Tariff 对抗关税
Counter Trade 对销贸易
covered warrant 备兑凭单
CPF Cashier’s Order 公积金本票
CPF Contribution Rate 公积金缴交率
CPF Investment Scheme 公积金投资计划
CPF Minimum Sum 公积金最低存款计划
credit default swaps 信贷违约风险掉换
credit-linked notes 信用风险联结票据
critical year 替换期
currency option 货币期权
currency swap 货币掉期
Current Account 经常项目/国际收支账目/往来户头
Current Expenditure 经常开支
Current Liabilities 流动负债
Current Year 本年度
Customs and Excise Taxes 关税及国产税
cut margin 斩仓
回答者：g***2 |
As mentioned in an early article, there are two types of credit cards: secured and unsecured. This article will explore some of the issues of secured credit cards.
What is a secured credit card?
A secured card is a credit card that requires you to deposit a certain amount of money into a savings account, money market account, or certificate of deposit. The minimum amount usually ranges between $200 and $500 but this will vary from one company to another. Your deposit is considered your security and some card issuers will even allow the deposit to earn interest.
The amount that you deposit into the account is your credit limit. You should understand that sometimes the limit will be for the full amount that you put into the account but with some companies your limit may be a percentage of the total amount that you deposited.
A secured credit card is not a debit card. This is important to understand because if full payments are not made each month, interest will be charged on the outstanding balance.
Who should consider using secured credit cards?
If you have no credit history at all, using a secured credit card can be a good way to begin establishing your credit. Many young people who are just starting out may choose this as an option.
If you have bad credit, you may wish to use a secured credit card to help you improve your credit score. In addition, a secured credit card may be the only source you will have for obtaining a credit card. There are some transactions that require the use of a credit card. This might include car rentals or hotel reservations. If you need to make those types of transactions and cannot get an unsecured credit card, this might be the only way you can get a true credit card.
What to look for in a secured credit card:
Interest Rate: Do not be fooled into thinking that because you have no credit history or a bad credit report that you have to settle for exorbitant interest rates. Make it a point to shop around for the lowest rates that you qualify for before you apply for a secured credit card.
Fees: Pay close attention to any fees that will be charged to you or to your account once it is opened. There are some companies that will charge ridiculously high fees that will reduce your initial deposit before you even use the card. Stay away from those companies. Look for companies that have no fees whatsoever or for those companies that charge a small one-time fee to set up the account. Annual fees for attractive secured cards typically range from $20-$35.
Scams: It is sad to say that there are companies out there who are in the business of ripping people off. They prey on the vulnerability of those who may be in a credit crunch. Some of the things they do include promises of getting you "quick credit" for a price. Another popular scam is to ask you to call a 900 phone number for "secrets" to getting a credit card or credit repair. Your phone company will charge you a high rate for using a 900 number and you never get the information that was offered.
The best advice to avoid secured credit card scams is that if it sounds too good to be true it is. Use your common sense and do not be taken by these crooks.
Credit Improvement Issues: Even with a very good payment history on your secured card it can takes many months before you begin to see improvement in your credit record. You have to be patient when repairing bad credit. You also have to be smart. Make sure that the company that issues the secured credit card to you will report your good payment history to the three big credit reporting agencies. Not all companies report and if they do not report you are simply wasting your time.
Keep in mind that they will also report your bad payment history if you do not pay on time. Be careful and make your payments on time each and every month.
回答者：g***2 |
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