| 单词 | Credit card |
| 释义 | 信用卡 A magnetised plastic card issued usually by a bank (the issuer) to approved creditworthy persons (the cardholders) which allows the cardholders to obtain cash advances or to purchase goods or services up to a specified limit from retailers or service providers (the merchants) without having to pay cash immediately. Each card is on its front embossed and encoded by the issuer with the holder’s name and number and bears on its back a specimen signature of its holder. The cardholder can only use the card to purchase goods or services from the merchants which display the issuer’s insignia or logo. The merchants have to obtain authorisation from the card centres before they supply the goods or services against the sale slip signed by the cardholder. By signing the sales slip the cardholder offers to borrow the price of the goods or services purchased from the issuer. The merchants receive payment from the issuer who obtains reimbursement from the cardholder. The cardholder receives regular statements and may pay the balance in full, or in part subject to a certain minimum (usually 5% of the full statement amount due). Interest is payable on the outstanding balance at the pre-agreed rate. The first credit card programme in Hong Kong was launched in 1974 by the Bank of America. In Hong Kong, there is no statute specifically regulating credit cards where the credit card business is carried on by a bank, such business will be regulated together with the bank’s other business under the Banking Ordinance. There are rules relating to credit cards stated in the Code of the Banking Practice which was first issued in 1997 jointly by the Hong Kong Association of Banks and the Hong Kong Association of Restricted Licence Banks and Deposits-taking Companies. See also Bank; Credit; Credit card fraud. 通常由銀行（發卡人）向經核准的信譽可靠的人（持卡人）發放的磁化的塑料卡片，該卡的持卡人可預支現金或者在一定額度內購物及享受服務而不必立即向零售商或服務提供者（商家）付款。每張卡都由發卡人編號，卡的正面是凸起刻制的持卡人姓名和編號，背面是持卡人簽名的樣本。持卡人只能在出示發卡人徽章或標識的商家購物或接受服務。商家必須取得發卡中心的授權才能憑持卡人簽名的成交單提供商品或服務。在成交單上簽名意味著持卡人向發卡人借取了所得商品或服務的價款。發卡人向商家支付款項，並從持卡人處得到償付。持卡人接受定期結算清單，可以全額支付結算欠款，也可部分支付，但不得低於最低限額（通常為到期結欠全額的5%）。未付餘額的利息按照約定利率支付。第一個信用卡項目是1974年由美洲銀行實施的。在香港，沒有特定的法律專門規範信用卡業務，而是作為銀行整體業務的一部分由《銀行業條例》統一規範。首先於1997年由香港銀行公會和香港有限制牌照銀行與接受存款公司公會聯合頒布的《銀行運營守則》中有一些關於信用卡的規則。另見 Bank; Credit; Credit card fraud。 |
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