透支

This module contains: the analysis of the total number of overdraft; the analysis of overdraft card holder%26rsquo;s character; the analysis of the relationship between the total number of overdraft and card holder%26rsquo;s age; the analysis of the rate of the frozen ,lost, stop payment; the credit evaluation of the card holder and the cautioner. Through these analysis, some facilities may be improved , the risk may become lower, improve the faithfulness of the customers and keep the long time business relationship with them.

更着重介绍了对%26ldquo；风险控制%26rdquo；模块的设计与实现，此模块包括：透支总量的对比分析；透支持卡人的特征分析；透支持卡人的年龄层次分析；冻结/止付/挂失卡的比例；持卡人、担保人的信用评估等，经过对这些分析可以加以改进各项设事、减少风险度、有效地提高客户忠诚度，并与之保持长期的和有益的业务关系。

You will not have access to the Direct Deposit Advance service until the overdraft is paid in full, including any overdraft and other checking account service fees that may apply.

在透支额（包括任何透支和其他应付支票帐户服务费用）付清之前，您将无法使用直接存款预支服务。

Overdraft arrangement base rate overdrawn account set off credit balance scale of charges

为受益人，以。。。为收款人透支安排基准利率透支账户抵销，分开贷方余额

David Black at Defaqto, the financial analyst, said that many customers may not be able to get another overdraft — or may be restricted to a lower amount — if their current overdraft facility is withdrawn.

大卫在Defaqto黑，金融分析师说，许多客户可能无法得到另一个透支-或可能限制在较低数额-如果目前的透支设施撤回。

What happens if I overdraw There will be a penalty of $3 for each check overdraws.

如果透支了怎么办？每张透支的支票罚款3美元。

This is in contrast with an overdraft which is subject to periodic review and is in principle recallable at any time.

这同透支不向，透支要接受定期检查，且在原则上可随时要求还款。

If this "automatic repayment" overdraws your account or there are insufficient funds in your checking account at that time, your account will become overdrawn when the outstanding advance is repaid and any other transactions posting to your account that day would be subject to overdraft or insufficient fund fees.

如果「自动偿还」使您的帐户透支，或您的支票帐户内当时存款不足，支付预支欠款后，您的帐户会透支，当日任何其他登录到您的帐户之交易会被徵收透支手续费或存款不足手续费。

I pay more attention to the criminal act of malicious overdraft. The definition of malicious overdraft is given firstly. According the Criminal Law, it refers to the cardholder with the intent of illegal possession overdraws beyond the fixed number or date, and doesn't return it after the banks calling.

特别是关于恶意透支形式的犯罪，首先是恶意透支概念的界定，刑法规定，恶意透支是指持卡人以非法占有为目的，超过规定限额或者规定期限透支，并且经发卡银行催收后仍不归还的行为。

The main difference between them is that the person who overdraws maliciously must be the legal user; he must act with the intent of illegal possession; he must use the real credit card.

两者的区别主要表现是，恶意透支行为人只能是信用卡的合法使用人，主观方面恶意透支必须具有非法占有目的，客观方面恶意透支行为必须使用有效真卡作为犯罪工具，两者的社会危害性也不尽相同。

A credit cardholder who withdraws cash or overdraws quasi-credit card may not enjoy the treatment of interest-free payment period and the treatment of minimum payment, but shall pay the overdraft interests, which are calculated from the book date of the bank on the basis of the prescribed interest rate, for the cash transaction or overdraft.

贷记卡持卡人支取现金、准贷记卡透支，不享受免息还款期和最低还款额待遇，应当支付现金交易额或透支额自银行记帐日起，按规定利率计算的透支利息。

However, as the name（read－only memory）implies, CD disks cannot be written onorchanged in any way.

然而，正如其名字所指出的那样，CD盘不能写，也不能用任何方式改变其内容。

Galvanizes steel pallet is mainly export which suits standard packing of European Union, the North America. galvanizes steel pallet is suitable to heavy rack. Pallet surface can design plate type, corrugated and the gap form, satisfies the different requirements.

镀锌钢托盘多用于出口，替代木托盘，免薰蒸，符合欧盟、北美各国对出口货物包装材料的法令要求；喷涂钢托盘适用于重载上货架之用，托盘表面根据需要制作成平板状、波纹状及间隔形式，满足不同的使用要求。