“信用卡取现”的英语怎么翻译?


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“信用卡取现”是指持卡者通过银行或ATM机从卡内取出现金的行为。你当然可以用英语把它翻译为:to withdraw money from credit cards,或to take/draw cash out of a credit card。但在美式英语中,”信用卡取现”还有一个专用的说法:cash advance。在这里,我们都知道cash指现金,而advance的意思则是“An amount paid before it is earned”(预取、预支的意思)。

来看一段Investopedia对cash advance的英文解释:“A service provided by many credit card issuers(发卡行) allowing cardholders(持卡人) to withdraw(提取) a certain amount of cash, either through an ATM or directly from a bank or other financial agency. Cash advances typically carry a high interest rate(附带高息) – even higher than credit card itself – and the interest begins to accrue(累积) immediately. On the plus side(好处是,从好的方面看), cash advances are quick and easy to obtain in a pinch(紧要关头).”

上面这段英文的大意是说:cash advance允许持卡人取现,但通常取现会立即产生高额利息(无免息期,且远胜正常刷卡消费的费用),但在急需现金周转时,取现还是一条相当便捷的途径。

根据CreditCards.com的一项2015年信用卡调研,在美国,信用卡取现的手续费通常为3~5%,最低收费10美元。取现金额的年化利率(APR, Annual Percentage Rate)高达23.53%;在中国国内,信用卡取现会产生手续费,以及每日万分之五的利息,且这个利息是利滚利的(计算复利),所以取现后应尽量及时归还,以免因逾期而影响个人信用。当然,有些持卡人为了尽快提升信用卡的额度(line of credit/credit limit),特意频繁取现以博取银行好感,又另当别论了。

Cash advance是一个名词短语,指“预支的现金”,如果要强调取现这个行为,可以说:get a cash advance,或take out a cash advance. 最后,需要注意,cash advance这个表达其实并不仅限于信用卡的使用,对于公司雇员来说,有时因手头紧而向公司老板“预支”下月工资,也可以称为cash advance或payday loan



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