一：credit_cards是什么意思（中英文）解释的意思

Credit cards是一种金融工具，它允许持卡人在商家处购买商品或服务时，无需现金支付，而是通过信用额度来支付。持卡人可以在每月账单到期日之前偿还使用的金额或按照约定的分期付款方式偿还。通常，信用卡公司会向持卡人收取一定比例的利息和费用。

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：怎么读（音标）

[ˈkrɛdɪt kɑrdz]

三：用法

使用credit cards可以方便地进行消费，避免携带大量现金。同时，持卡人可以根据自身财务状况选择适合自己的还款方式，并通过及时还款来维护良好的信用记录。此外，信用卡也可作为紧急情况下的备用资金。

四：例句1-5句且中英对照

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

我每次购物都使用我的信用卡。

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

不要忘记在账单到期日前偿还你的信用卡余额。

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

我的信用卡被拒绝了，因为我超过了信用额度。

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

你可以通过使用信用卡购物来获得奖励积分。

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

许多人因为过度消费而陷入信用卡债务困境。

五：同义词及用法

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 Debit cards: Similar to credit cards, but the money is withdrawn directly from the cardholder's bank account at the time of purchase.

类似于信用卡，但是资金直接从持卡人的银行账户中提取。

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

也类似于信用卡，但要求每月全额偿还余额，不允许出现滚动债务。

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

由特定零售商发行，只能在其店铺或关联位置使用。

六：编辑总结

Credit cards是一种方便的支付工具，但也需要持卡人谨慎使用，避免陷入高额利息和费用的债务。持卡人应根据自身财务状况选择适合自己的还款方式，并定期检查账单以确保账户安全。同时，也可以通过积累奖励积分来享受信用卡带来的福利。使用credit cards时，请谨慎合理地管理自己的消费，以免造成不必要的经济负担。