?一：credit_cards是什么意思（中英文）解釋的意思

Credit cards是一種金融工具，它允許持卡人在商家處購買商品或服務(wù)時，無需現(xiàn)金支付，而是通過信用額度來支付。持卡人可以在每月賬單到期日之前償還使用的金額或按照約定的分期付款方式償還。通常，信用卡公司會向持卡人收取一定比例的利息和費用。

Credit cards are a financial tool that allows cardholders to make purchases at merchants without using cash, but instead by using a line of credit. Cardholders can choose to pay off the amount used before the monthly billing due date or make payments in installments as agreed upon. Typically, credit card companies charge cardholders a certain percentage of interest and fees.

二：怎么讀（音標）

[?kr?d?t kɑrdz]

三：用法

使用credit cards可以方便地進行消費，避免攜帶大量現(xiàn)金。同時，持卡人可以根據(jù)自身財務(wù)狀況選擇適合自己的還款方式，并通過及時還款來維護良好的信用記錄。此外，信用卡也可作為緊急情況下的備用資金。

四：例句1-5句且中英對照

1. I always use my credit card when I go shopping.

我每次購物都使用我的信用卡。

2. Don't forget to pay off your credit card balance before the due date.

不要忘記在賬單到期日前償還你的信用卡余額。

3. My credit card was declined because I exceeded my credit limit.

我的信用卡被拒絕了，因為我超過了信用額度。

4. You can earn reward points by using your credit card for purchases.

你可以通過使用信用卡購物來獲得獎勵積分。

5. Many people struggle with credit card debt due to overspending.

許多人因為過度消費而陷入信用卡債務(wù)困境。

五：同義詞及用法

1. Debit cards: Similar to credit cards, but the money is withdrawn directly from the cardholder's bank account at the time of purchase.

類似于信用卡，但是資金直接從持卡人的銀行賬戶中提取。

2. Charge cards: Also similar to credit cards, but require full payment of the balance each month and do not allow for revolving debt.

也類似于信用卡，但要求每月全額償還余額，不允許出現(xiàn)滾動債務(wù)。

3. Store cards: Issued by specific retailers and can only be used at their stores or affiliated locations.

由特定零售商發(fā)行，只能在其店鋪或關(guān)聯(lián)位置使用。

六：編輯總結(jié)

Credit cards是一種方便的支付工具，但也需要持卡人謹慎使用，避免陷入高額利息和費用的債務(wù)。持卡人應(yīng)根據(jù)自身財務(wù)狀況選擇適合自己的還款方式，并定期檢查賬單以確保賬戶安全。同時，也可以通過積累獎勵積分來享受信用卡帶來的福利。使用credit cards時，請謹慎合理地管理自己的消費，以免造成不必要的經(jīng)濟負擔。