credit
Longman Dictionary of Contemporary English 5++LDOCE 5++cred·it1 /ˈkredɪt/ ●●● S2 W2 AWL noun 1 DELAYED PAYMENTdelayed payment 推迟付款 [uncountable]BBTPAY FOR an arrangement with a shop, bank etc that allows you to buy something and pay for it later 赊购；信贷on credit Most new cars are bought on credit. 大多数新汽车都是贷款购买的。 The store agreed to let him have credit. 商店同意他赊购。 What’s the credit limit on your Visa card? 你的维萨卡信用额度是多少？2 praise 赞扬 [uncountable]PRAISE approval or praise that you give to someone for something they have done 赞扬；赞许credit for Credit for this win goes to everybody in the team. 这次胜利是队里每个人的功劳。 They never give Gene any credit for all the extra work he does. 吉恩做了那么多分外的事，可他们对此从来没有一句称赞。take/claim/deserve etc (the) credit She deserves credit for trying her best. 她尽了最大的努力，应该得到表扬。to somebody’s credit (=used to say that someone has done something good) 某人值得赞扬[钦佩] To Jamie’s credit, he remained calm. 值得表扬的是，杰米始终保持冷静。 Credit must go to Fiona for making sure everything ran smoothly. 应该感激菲奥娜使一切得以顺利进行。3 be a credit to somebody/something (also do somebody/something credit)BEHAVE to behave so well or be so successful that your family, team etc are proud of you 为某人/某事物增光 She’s a credit to her profession. 她为自己的行业赢得了荣誉。 Your children really do you credit. 你的孩子们确实值得你骄傲。4 have something to your credit DOto have achieved something 完成某事 She already has two successful novels to her credit. 她已经写了两部很成功的小说。5 in credit BFBif you are in credit, there is money in your bank account 〔银行账户中〕有存款 There are no bank charges if you stay in credit. 只要你账户里有钱，银行就不收费。6. the credits [plural]AMFAMT a list of all the people involved in making a film or television programme, which is shown at the beginning or end of it 〔电影或电视节目片头或片尾的〕全体演职员名单7 on the credit side GOOD POINT OR CHARACTERISTICused to talk about the good things about someone or something 从优点来讲 On the credit side, the book is extremely well researched. 从优点来讲，这本书经过了非常透彻的研究。8. (give) credit where credit is due used to say that someone deserves to be praised for the good things they have done 该表扬的就表扬9 university 大学UNIVERSITY [countable]SEC a successfully completed part of a course at a university or college 学分 I don’t have enough credits to graduate. 我学分不够，还不能毕业。10 amount of money 一笔钱 [countable] an amount of money that is put into someone’s bank account or added to another amount 存入金额 OPP debit The company promised to provide credits to customers who had been charged too much. 公司答应把多收的钱存进顾客账户。11 true/correct 真的/正确的TRUE/CORRECT [uncountable]TRUE the belief that something is true or correct 信任 The witness’s story gained credit with the jury. 证人的陈述被陪审团采信了。 COLLOCATIONSverbsbuy/get something on credit 赊购某物They bought all their furniture on credit. 他们所有家具都是赊账购买的。use credit 使用信贷The survey showed only 15% of people had never used credit. 调查显示，只有15﹪的人从未使用过信贷。get/obtain credit (=be allowed to buy something on credit) 取得信贷The economic situation is making it more difficult for people to get credit. 经济形势使得人们越来越难以取得信贷。give/offer credit (=allow customers to buy things on credit) 允许赊购A business may lose customers if it does not give credit. 企业若不允许赊购可能会失去客源。refuse somebody credit 拒绝某人赊购You may be refused credit if you have a bad financial record. 如果你有不良财务记录，可能会被拒绝赊购。credit + NOUNa credit card (=a plastic card that you use to buy things and pay for them later) 信用卡Can I pay by credit card? 我可以用信用卡支付吗？credit facilities (=the opportunity to buy something on credit) 信用透支Credit facilities are available if you are over 18. 如果你年满18岁就可以享受信用透支。a credit agreement (=an arrangement to allow or receive credit) 信贷协议nPeople sometimes sign credit agreements and then realize they can’t afford the payments.credit terms (=how much you must pay back and when) 信用条款nThe credit terms were a deposit of £1,000 and two later instalments of £900.somebody’s credit rating (=how likely a bank etc thinks someone is to pay their debts) 某人的信用等级nIf you have a poor credit rating, you will have a hard time getting a mortgage.a credit risk (=a risk that a bank etc may not get back the money it lends) 信贷风险nBanks first have to assess whether a borrower is a credit risk.a credit limit (=the most someone can spend using credit) 信用额度nI have a Visa card with a £1,000 credit limit.a credit crunch/squeeze (=a situation in which people are not allowed as much credit as before) 信贷紧缩，收紧信贷nDue to a credit squeeze, interest rates rose.ADJECTIVES/NOUN + creditconsumer credit (=the amount of credit used by consumers) 消费信贷Consumer credit has risen substantially during this period. 这段时期，消费信贷大幅上升。interest-free credit (=with no interest added to it) 无息贷款We offer interest-free credit for up to 50 weeks. 我们提供长达50周的无息贷款。
Examples from the Corpus
credit• One of the biggest obstacles, the respondents noted, is securing the capital and credit needed to open and expand.• The big bookies' credit office phone lines were red hot.• Figures from consumer credit group, Infolink, confirmed government findings.• So far building society inroads into consumer credit have been small.• You collect interest of 1.13% a month when you're in credit.• The tax credit will be $ 6,000 for adoptions involving children with special needs.• Shop on the Sabbath-but remember thy credit limit, and keep it holy. 14.on credit• We bought a new stove on credit.credit for• The credit for the team's winning season goes to the coach.credit2 ●○○ AWL verb [transitive] 1 BFBto add money to a bank account 把钱存入〔账户〕 OPP debitcredit to The cheque has been credited to your account. 支票已存入你的账户。credit with For some reason my account’s been credited with an extra $76. 不知什么原因，我的账户多出了76美元。2 credit somebody with (doing) something GOOD POINT OR CHARACTERISTICto believe or admit that someone has a quality, or has done something good 相信某人有某优点[做了某件好事]3 be credited to somebody/something DOif something is credited to someone or something, they have achieved it or are the reason for it 归功于某人/某事；某人/某事是…发生的原因4 BELIEVE formal to believe that something is true 信任；相信→ See Verb tableExamples from the Corpus
credit• His statements are hard to credit.• Soon the Towel was credited for everything.• Leiser credits Franz Liszt with bringing him to San Diego.• Today I credit one of them, at least, with keeping her alive through hard times.• He was credited with a safety and also a 60-yard fumble return for a touchdown...• No more than five candidates could be credited with more than 41,667 votes each.credit to• The check has been credited to your account.difficult/hard/impossible etc to credit• During the course of the next few months I uncovered a tale of wickedness and depravity hard to credit.• Official figures are hard to credit as families fail to claim benefit.• At first, I found it hard to credit such an error to my father.• At the end of that time the conscientious manager may well find it difficult to credit the evidence.• In fact, however, it is astonishingly hard to credit them with much work that deserves to be called mathematical.• If he had any lingering memories, which was almost impossible to credit, they would not match what he now encountered.From Longman Business Dictionarycreditcred‧it1 /ˈkredɪt/ noun1[uncountable]COMMERCE an arrangement with a shop, supplier etc to buy something now and pay for it laterThey are saving for new furniture - instead of buying on credit.Sales were helped by the introduction of interest-free credit.2[countable, uncountable] an amount by which a payment is reduced, relating for example to goods you have returnedYou can return the product within 30 days and get full credit toward the purchase of another. → see also letter of credit3the credit side [uncountable]ACCOUNTING the right-hand side of each account in DOUBLE-ENTRY BOOKKEEPING, the side used for increases in LIABILITIES (=the amount of debt that must be paid) or REVENUEsEvery time an entry is made on the debit side, another entry of equal value must be made on the credit side somewhere in the books.4in credit British EnglishBANKING if you are in credit, you have money in your bank account; be in the blackThere are no bank charges if you stay in credit.5[uncountable]BANKING another name for CREDIT HISTORYIf your credit is good and you drive less than 15,000 miles a year, you should consider leasing your car rather than buying one.6 (also bank credit) [countable, uncountable]BANKING an arrangement with a bank for a loan, or bank lending in generalThe company is to get an additional $225 million in credit with no strings attached.In the economic recovery, bank credit is absolutely critical, particularly for small businesses.The bank said it would continue to extend credit (=make loans available) to the publishing group to keep it in business.7[countable, uncountable]TAX an amount of money given to you by the authorities, or an amount that you do not have to pay, which normally you would have to payThe couple may claim a credit of $800 for child care against their tax bill. → emission credit → investment tax credit → pollution credit → tax credit → see also carbon creditcreditcredit2 verb [transitive]1BANKINGto add money to a bank accountcredit toThe interest credited to the income account will be taxable. → opposite debit12ACCOUNTING to make an entry on the credit side of an account in DOUBLE-ENTRY BOOKKEEPINGOn selling an asset, any profit is credited to capital reserve or a specific asset replacement account. → opposite debit1→ See Verb tableOrigin credit1 (1500-1600) French crédit, from Italian, from Latin creditum “something given to someone to keep safe, loan”, from credere; → CREDENCEcred·it1 noun →COLLOCATIONS1credit2 verbLDOCE OnlineChineseSyllable
Business etc a bank arrangement shop, with Corpus allows an that you
credit
cred‧it1 S2 W2 AC /ˈkredət, ˈkredɪt/ 
noun
on credit
Most new cars are bought on credit.
The store agreed to let him have credit.
What’s the credit limit on your Visa card?
2. PRAISE [uncountable] approval or praise that you give to someone for something they have done
credit for
Credit for this win goes to everybody in the team.
They never give Gene any credit for all the extra work he does.
take/claim/deserve etc (the) credit
She deserves credit for trying her best.
to sb’s credit (=used to say that someone has done something good)
To Jamie’s credit, he remained calm.
Credit must go to Fiona for making sure everything ran smoothly.
3. be a credit to somebody/something (also do somebody/something credit) to behave so well or be so successful that your family, team etc are proud of you:
She’s a credit to her profession.
Your children really do you credit.
4. have something to your credit to have achieved something:
She already has two successful novels to her credit.
5. in credit if you are in credit, there is money in your bank account:
There are no bank charges if you stay in credit.
6. the credits [plural] a list of all the people involved in making a film or television programme, which is shown at the beginning or end of it
7. on the credit side used to talk about the good things about someone or something:
On the credit side, the book is extremely well researched.
8. (give) credit where credit is due used to say that someone deserves to be praised for the good things they have done
9. UNIVERSITY [countable] a successfully completed part of a course at a university or college:
I don’t have enough credits to graduate.
10. AMOUNT OF MONEY [countable] an amount of money that is put into someone’s bank account or added to another amount
OPP debit:
The company promised to provide credits to customers who had been charged too much.
11. TRUE/CORRECT [uncountable] the belief that something is true or correct:
The witness’s story gained credit with the jury.
■ verbs
▪buy/get something on credit They bought all their furniture on credit.
▪use credit The survey showed only 15% of people had never used credit.
▪get/obtain credit (=be allowed to buy something on credit) The economic situation is making it more difficult for people to get credit.
▪give/offer credit (=allow customers to buy things on credit) A business may lose customers if it does not give credit.
▪refuse somebody credit You may be refused credit if you have a bad financial record.
■ credit + NOUN
▪a credit card (=a plastic card that you use to buy things and pay for them later) Can I pay by credit card?
▪credit facilities (=the opportunity to buy something on credit) Credit facilities are available if you are over 18.
▪a credit agreement (=an arrangement to allow or receive credit) People sometimes sign credit agreements and then realize they can’t afford the payments.
▪credit terms (=how much you must pay back and when) The credit terms were a deposit of £1,000 and two later instalments of £900.
▪sb’s credit rating (=how likely a bank etc thinks someone is to pay their debts) If you have a poor credit rating, you will have a hard time getting a mortgage.
▪a credit risk (=a risk that a bank etc may not get back the money it lends) Banks first have to assess whether a borrower is a credit risk.
▪a credit limit (=the most someone can spend using credit) I have a Visa card with a £1,000 credit limit.
▪a credit crunch/squeeze (=a situation in which people are not allowed as much credit as before) Due to a credit squeeze, interest rates rose.
■ ADJECTIVES/NOUN + credit
▪consumer credit (=the amount of credit used by consumers) Consumer credit has risen substantially during this period.
▪interest-free credit (=with no interest added to it) We offer interest-free credit for up to 50 weeks.
▪ loan noun [countable] an amount of money that is borrowed, especially from a bank or company, which you agree to pay back by the end of a period of time: We took out a loan to buy a new car. | He is paying back a $50,000 loan.
▪mortgage noun [countable] a large amount of money that someone borrows from a bank or company to buy a house: Nick told me the mortgage on his apartment is worth about $90,000. | Anyone taking out a mortgage should be aware that interest rates can go up at any time. | It took my parents nearly thirty years to pay off their mortgage.
▪interest noun [uncountable] money that you pay for borrowing money, especially that you pay every year or every month at a fixed rate: Credit companies charge huge amounts of interest. | What’s the interest on the loan?
▪overdraft noun [countable] British English the amount of money that you owe to bank when you have spent more money than you had in your account: I left university with no job and a big overdraft. | 20% of the bank’s customers regularly use their overdraft facility. | You have to pay a fee for unauthorized overdrafts.
▪debt noun [uncountable and countable] an amount of money that a person or organization owes: The company now has debts of almost £2 million. | A lot of the money went towards paying his debts. | The family were $100,000 in debt (=they owed $100,000).
▪credit noun [uncountable] an arrangement with a shop or bank that allows you to buy something and pay for it later: We bought the furniture on credit. | He had a credit limit of £7,000.
credit2 AC verb [transitive not in progressive]
1. to add money to a bank account
OPP debit
credit to
The cheque has been credited to your account.
credit with
For some reason my account’s been credited with an extra $76.
2. credit somebody with (doing) something to believe or admit that someone has a quality, or has done something good:
Do credit me with a little intelligence__
Evans is credited with inventing the system.
3. be credited to somebody/something if something is credited to someone or something, they have achieved it or are the reason for it:
Much of Manchester United’s success can be credited to their manager.
4. formal to believe that something is true
difficult/hard/impossible etc to credit
We found his statement hard to credit.
| I |
noun Date: 1500-1600
Language: French
Origin: crédit, from Italian, from Latin creditum 'something given to someone to keep safe, loan', from credere; ⇨ credence
1. DELAYED PAYMENT [uncountable] an arrangement with a shop, bank etc that allows you to buy something and pay for it laterLanguage: French
Origin: crédit, from Italian, from Latin creditum 'something given to someone to keep safe, loan', from credere; ⇨ credence
on credit
2. PRAISE [uncountable] approval or praise that you give to someone for something they have done
credit for
take/claim/deserve etc (the) credit
to sb’s credit (=used to say that someone has done something good)
3. be a credit to somebody/something (also do somebody/something credit) to behave so well or be so successful that your family, team etc are proud of you:
4. have something to your credit to have achieved something:
5. in credit if you are in credit, there is money in your bank account:
6. the credits [plural] a list of all the people involved in making a film or television programme, which is shown at the beginning or end of it
7. on the credit side used to talk about the good things about someone or something:
8. (give) credit where credit is due used to say that someone deserves to be praised for the good things they have done
9. UNIVERSITY [countable] a successfully completed part of a course at a university or college:
10. AMOUNT OF MONEY [countable] an amount of money that is put into someone’s bank account or added to another amount
OPP debit:
11. TRUE/CORRECT [uncountable] the belief that something is true or correct:
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verb [transitive not in progressive]1. to add money to a bank account
OPP debit
credit to
credit with
2. credit somebody with (doing) something to believe or admit that someone has a quality, or has done something good:
3. be credited to somebody/something if something is credited to someone or something, they have achieved it or are the reason for it:
4. formal to believe that something is true
difficult/hard/impossible etc to credit
Income 收入
earn money/cash/( a fortune挣钱；挣一大笔钱 make money/a fortune/( a killing on the stock market在股市上赚钱／赚一大笔钱／发大财 acquire/inherit/amass wealth/a fortune获得／继承／积累财富／一大笔钱 build up funds/savings积累资金／存款 get/receive/leave (sb) an inheritance/a legacy得到／（给某人）留下遗产 live on a low wage/a fixed income/a pension靠低微的工资／固定收入／养老金过活 get/receive/draw/collect a pension领取养老金 depend/be dependent on ( benefits/BrE ( welfare/social securityNAmE 靠福利金／社会保障金过活
Expenditure 开支；支出
spend money/your savings/( a fortune on…把钱／存款／一大笔钱花在…上 invest/put your savings in…投资／把储蓄金用于… throw away/waste/ ( shell out money on…把钱浪费／花费巨资在…上 lose your money/inheritance/pension失去钱财／遗产／养老金 use up/ ( wipe out all your savings把储蓄用光 pay (in) cash用现金支付 use/pay by a credit/debit card用信用卡／借记卡支付 pay by/make out a/write sb a/accept a ( cheque/BrE ( check用支票支付；开支票；给某人开支票；接受支票 change/exchange money/currency/( traveller's cheques/BrE ( traveler's checks兑换钱／货币／旅行支票 give/pay/leave (sb) a deposit预付（某人）订金
Banks 银行
have/hold/open/close/freeze a bank account/an account持有／开立／注销／冻结银行账户 credit/debit/pay sth into/take money out of your account记入账户的贷方／借方；把钱存入账户／从账户中取出 deposit money/funds in your account往账户里存钱／存入资金 withdraw money/cash/£30 from an ATM, etc.从自动提款机等取钱／现金／30 英镑 ( make a deposit/withdrawal存款；取款 find/go to/use ( an ATM/especially
NAmE ( a cash machine/dispenserBrE 找到／去／使用自动提款机 be in credit/in debit/in the black/in the red/overdrawn账面有钱／亏空；有盈余；透支
Personal finance 个人理财
manage/handle/plan/run/ ( especially
BrE sort out your finances管理／处理／计划／经营管理／整顿财务问题 plan/manage/work out/stick to a budget计划／管理／制订／严格执行预算 offer/extend credit (to sb)（给某人）提供贷款 arrange/take out a loan/an overdraft商定／获得贷款／透支额 pay back/repay money/a loan/a debt偿还钱／贷款／债务 pay for sth in ( instalments/especially
BrE ( installmentsNAmE usually
以分期付款方式购买某物
Financial difficulties 财务困难
get into debt/financial difficulties陷入债务／财务困难 be short of/ ( be strapped for cash缺钱 run out of/owe money钱用光了；欠钱 face/get/ ( be landed with a bill for £…面对／收到一张…英镑的账单 can't afford the cost of…/payments/rent承担不起…的费用／款项／房租 fall behind with/ ( especially
NAmE fall behind on the mortgage/repayments/rent拖欠按揭贷款／分期偿还款项／房租 incur/run up/accumulate debts带来／积欠／累积债务 tackle/reduce/settle your debts处理／减少／付清债务
