留英必備:七種英國銀行卡的區別
<P> 去英國留學，免不了要與英國銀行打交道。大家對英國銀行的服務項目和提供的銀行卡類型有多少了解哈？英國主要有七種銀行卡，瞭如指掌的有木有！下面我們就為筒子們提供這方面的詳細資訊~</P>
<P> 英國留學生到達學校後，要儘快開設銀行賬戶，留學生在英國學習期間，很有可能會享受到英國銀行所提供的，一些國內銀行目前尚未開展的服務，這一是因為英國的金融業非常發達，二也是因為英國銀行完善的服務。以下介紹英國銀行常用的項目服務類別：</P>
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<P> 1. cash card</P>
<P> A cash card can be those cards that you can insert into an ATM or other cash dispenser, or a pre-paid credit card, or a card with a preset cash value from a particular store (Costco or Subway)， which is read by a cash card reader and used to pay for products or services at that retailer。</P>
<P> 英國銀行的現金卡，英文稱呼為Cash Card，它主要的作用是幫助持卡人在銀行或ATM機上存取現金。</P>
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<P> 2. cheque guarantee card</P>
<P> A cheque guarantee card is essentially an abbreviated portable letter of credit granted by a bank to a qualified depositor, providing that when he is paying a business by cheque and the retailer</P>
<P> writes the card number on the back of the cheque, the cheque was signed in the retailer's presence, and the retailer verifies the signature on the cheque against the signature on the card, then the cheque cannot be stopped and payment cannot be refused by the bank。</P>
<P> 英國銀行的支票保證卡，英文稱呼為Cheque guarantee Card，它主要的作用是在使用支票時出示，以作為支付保證，支票保證卡上會被註明擔保的金額，也就是持卡人每次可以開具支票的最高額度。</P>
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<P> 3. debit card</P>
<P> Debit cards usually allow for instant withdrawal of cash, acting as the ATM card for withdrawing cash and as a check guarantee card. Merchants may also offer cashback facilities to customers, where a customer can withdraw cash along with their purchase。</P>
<P> 英國銀行的借記卡，英文稱呼為Debit Card，它主要作用是幫助持卡人在商場裏刷卡消費，這樣持卡人所消費的費用都會直接通過銀行的結算，從相應的賬戶上扣除。</P>
<P> (英國銀行對以上三種卡會採取合併的形式，將上述的功能統一到一張銀行卡上，方便客戶的使用。)</P>
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<P> 4. credit card</P>
<P> A credit card allows its holder to buy goods and services based on the holder's promise to pay for these goods and services.A credit card is different from a charge card: a charge card requires the balance to be paid in full each month. A credit card also differs from a cash card, which can be used like currency by the owner of the card。</P>
<P> 英國銀行的信用卡，英文稱呼為Credit Card，它主要的作用是透支消費。如果留學生的信用紀錄比較好，在申請並經過審核後，英國銀行就會為留學生提供一張信用卡，允許留學生從中透支部分資金，而後再定期還款。</P>