\u661f\u5c9b\u65e5\u62a5\/\u52a0\u62ff\u5927\u91d1\u878d\u6d88\u8d39\u8005\u673a\u6784(Financial Consumer Agency of Canada, FCAC)\u63d0\u9192\u6c11\u4f17\uff0c\u8054\u90a6\u653f\u5e9c\u9488\u5bf9\u4fe1\u7528\u5361\u53ca\u56fa\u5b9a\u3001\u6d6e\u52a8\u5229\u7387\u8d37\u6b3e(loans)\u6216\u4fe1\u7528\u989d\u5ea6(lines of credit)\u7b49\u91d1\u878d\u4ea7\u54c1\u800c\u5236\u5b9a\u7684\u4e00\u4e9b\u91cd\u8981\u65b0\u91d1\u878d\u6cd5\u89c4\uff0c\u5c06\u4e8e2010\u5e741\u67081\u65e5\u53ca9\u67081\u65e5\u4f9d\u6b21\u5f00\u59cb\u751f\u6548\u3002FCAC\u547c\u5401\u6c11\u4f17\u5c3d\u5feb\u4e86\u89e3\u548c\u719f\u6089\u8fd9\u4e9b\u65b0\u6cd5\u89c4\uff0c\u4fdd\u62a4\u81ea\u5df1\u7684\u6743\u76ca\u3002<\/p>\n
\u8fd9\u4e9b\u65b0\u6cd5\u89c4\u9488\u5bf9\u53d7\u8054\u90a6\u653f\u5e9c\u89c4\u7ba1\u7684\u94f6\u884c\u548c\u91d1\u878d\u673a\u6784\u5236\u5b9a\uff0c\u4e3b\u8981\u5185\u5bb9\u5305\u62ec\u4fe1\u7528\u5361\u7684\u65e0\u606f\u507f\u8fd8\u671f\u9650(grace periods)\u6700\u4f4e21\u5929\uff0c\u91d1\u878d\u673a\u6784\u5728\u589e\u52a0\u6301\u5361\u4eba\u4fe1\u7528\u989d\u5ea6\u65f6\u5fc5\u987b\u5148\u53d6\u5f97\u6301\u5361\u4eba\u540c\u610f\uff0c\u53d1\u5361\u516c\u53f8\u5728\u5370\u5236\u4fe1\u7528\u5361\u7533\u8bf7\u8868\u6216\u5408\u7ea6\u65f6\uff0c\u5fc5\u987b\u5728\u9875\u9996\u4ee5\u65b9\u6846\u5f62\u5f0f\u6807\u660e\u5229\u7387\u3001\u5361\u8d39\u53ca\u65e0\u606f\u8fd8\u6b3e\u671f\u9650\u7b49\u91cd\u8981\u6761\u6b3e\u3002<\/p>\n
\u75312010\u5e741\u67081\u65e5\u8d77\u5f00\u59cb\u751f\u6548\u7684\u65b0\u91d1\u878d\u89c4\u5b9a\u5305\u62ec\u4ee5\u4e0b\u3002<\/p>\n
\u6e05\u695a\u8868\u660e\u91cd\u8981\u5408\u7ea6\u6761\u6b3e\u6982\u8981\uff1a\u25a0\u94f6\u884c\u6216\u91d1\u878d\u673a\u6784\u7b49\u6240\u6709\u53d1\u884c\u4fe1\u7528\u5361\u7684\u673a\u6784\uff0c\u5728\u5370\u5236\u4fe1\u7528\u5361\u7533\u8bf7\u8868\u683c\u6216\u5408\u7ea6\u65f6\uff0c\u5fc5\u987b\u5728\u9875\u9996\u4ee5\u65b9\u6846\u5f62\u5f0f\u7740\u91cd\u6807\u660e\u91cd\u8981\u7684\u5408\u540c\u6761\u6b3e\uff0c\u6bd4\u5982\u5229\u7387\uff0c\u65e0\u606f\u8fd8\u6b3e\u671f\u9650\u53ca\u5361\u8d39\u7b49\u3002<\/p>\n
\u589e\u52a0\u4fe1\u7528\u5361\u989d\u5ea6\u9700\u83b7\u6388\u6743\uff1a\u25a0\u94f6\u884c\u6216\u91d1\u878d\u673a\u6784\u4e0d\u80fd\u81ea\u884c\u589e\u52a0\u6301\u5361\u8005\u7684\u4fe1\u7528\u5361\u6700\u9ad8\u6d88\u8d39\u989d\u5ea6(credit limit)\uff0c\u5728\u8fd9\u6837\u505a\u4e4b\u524d\u5fc5\u987b\u53d6\u5f97\u6301\u5361\u8005\u7684\u6388\u6743\u540c\u610f\u3002<\/p>\n
\u4e0d\u53ef\u56e0\u62bc\u91d1\u900f\u652f\u6536\u8d39<\/p>\n
\u4e0d\u53ef\u56e0\u6682\u6263\u62bc\u91d1(holds)\u9020\u6210\u900f\u652f\u800c\u64c5\u81ea\u6536\u53d6\u900f\u652f\u8d39(over the limit fee)\uff1a\u25a0\u4e00\u79cd\u5e38\u89c1\u7684\u505a\u6cd5\u662f\u5f53\u6700\u540e\u4ea4\u6613\u91d1\u989d\u5c1a\u4e0d\u6e05\u695a\u65f6\uff0c\u9152\u5e97\u3001\u79df\u8f66\u516c\u53f8\u53ca\u52a0\u6cb9\u7ad9\u53ef\u80fd\u6682\u65f6\u6263\u62bc\u4fe1\u7528\u5361\u91cc\u4e00\u7b14\u8d44\u91d1\uff0c\u5f85\u4e00\u6bb5\u65f6\u95f4\u4e4b\u540e\u624d\u89e3\u9664\u3002\u5982\u679c\u56e0\u8fd9\u79cd\u4e34\u65f6\u6263\u62bc\u800c\u4ee4\u4fe1\u7528\u5361\u900f\u652f\uff0c\u53d1\u5361\u673a\u6784\u4e0d\u5f97\u5411\u6301\u5361\u4eba\u6536\u53d6\u900f\u652f\u8d39\u3002\u9664\u975e\u5728\u6263\u62bc\u671f\u95f4\u6301\u5361\u4eba\u53e6\u6709\u5176\u4ed6\u6d88\u8d39\u800c\u5bfc\u81f4\u900f\u652f\u3002<\/p>\n
\u89c4\u8303\u8ba8\u503a\u884c\u4e3a\uff1a\u25a0\u8054\u90a6\u653f\u5e9c\u5c06\u4ee5\u65b0\u7684\u6cd5\u89c4\u89c4\u8303\u53d7\u653f\u5e9c\u89c4\u7ba1\u7684\u91d1\u878d\u673a\u6784\u7684\u8ffd\u8ba8\u6b20\u503a\u884c\u4e3a\u3002<\/p>\n
\u8054\u5408\u501f\u6b3e\u4eba\u4e2d\u6bcf\u4e2a\u4eba\u5747\u6709\u77e5\u60c5\u6743\uff1a\u25a0\u5982\u679c\u540c\u5176\u4ed6\u4eba\u8054\u5408\u5411\u94f6\u884c\u7533\u8bf7\u8d37\u6b3e\uff0c\u94f6\u884c\u5fc5\u987b\u5411\u6bcf\u4e00\u4f4d\u501f\u8d37\u8005\u63d0\u4f9b\u76f8\u5173\u7684\u8d44\u6599\u6587\u4ef6\uff0c\u8fd9\u4e00\u89c4\u5b9a\u53ea\u5728\u4e24\u79cd\u60c5\u51b5\u4e0b\u4f8b\u5916\u3002\u7b2c\u4e00\uff0c\u6240\u6709\u501f\u8d37\u8005\u4e66\u9762\u6216\u53e3\u5934\u540c\u610f\u94f6\u884c\u53ea\u9700\u5411\u4e00\u540d\u501f\u8d37\u8005\u63d0\u4f9b\u6587\u4ef6\u3002\u7b2c\u4e8c\uff0c\u81f3\u5c11\u4e24\u540d\u501f\u8d37\u8005\u53e3\u5934\u6216\u4e66\u9762\u540c\u610f\uff0c\u5176\u4e2d\u4e00\u540d\u501f\u8d37\u8005\u5c06\u4ee3\u8868\u53e6\u5916\u4e00\u4eba\u63a5\u53d7\u6587\u4ef6\u3002\u5373\u4f7f\u5728\u8fd9\u79cd\u60c5\u51b5\u4e0b\uff0c\u94f6\u884c\u4ecd\u987b\u5411\u5176\u4ed6\u6ca1\u6709\u63d0\u4f9b\u6388\u6743\u7684\u501f\u8d37\u8005\u63d0\u4f9b\u6587\u4ef6\u3002<\/p>\n
\u75312010\u5e749\u67081\u65e5\u8d77\u5f00\u59cb\u751f\u6548\u7684\u65b0\u91d1\u878d\u89c4\u5b9a\u5305\u62ec\uff1a\u25a0\u4fe1\u7528\u5361\u6d88\u8d39\u6700\u5c1121\u5929\u514d\u606f(grace period)\uff1a\u7531\u94f6\u884c\u53d1\u51fa\u4fe1\u7528\u5361\u6708\u7ed3\u5355\u4e4b\u65e5\u671f(statement date)\u8d7721\u5929\u4e4b\u5185\uff0c\u53ea\u8981\u5728\u5f53\u6708\u7684\u8fd8\u6b3e\u65e5(due date)\u4e4b\u524d\u8fd8\u6e05\u6240\u6709\u7684\u6b20\u5e10(balance)\uff0c\u5373\u4e0d\u9700\u652f\u4ed8\u5229\u606f\u3002\u5373\u4f7f\u6b20\u5e10\u6765\u81ea\u4e0a\u4e00\u4e2a\u6708\uff0c\u8fd9\u4e00\u89c4\u5b9a\u4e5f\u540c\u6837\u9002\u7528\u3002<\/p>\n
\u8fd8\u6b3e\u7684\u5206\u914d\uff1a\u25a0\u5982\u679c\u4f60\u7684\u8fd8\u6b3e\u989d\u591a\u4e8e\u6bcf\u6708\u6700\u4f4e\u8fd8\u6b3e(required minimum)\uff0c\u94f6\u884c\u5fc5\u987b\u5c06\u591a\u51fa\u7684\u8fd8\u6b3e\u90e8\u5206\u6700\u5148\u7528\u4e8e\u507f\u8fd8\u4f60\u7684\u5229\u606f\u6700\u9ad8\u7684\u503a\u52a1\u90e8\u5206\uff0c\u7136\u540e\u4f9d\u6b21\u6309\u7167\u5229\u606f\u9ad8\u4f4e\u7684\u987a\u5e8f\u507f\u8fd8\u5176\u4ed6\u503a\u52a1\u90e8\u5206\uff0c\u6216\u6309\u7167\u76f8\u5173\u7684\u6bd4\u4f8b\u3002<\/p>\n
\u5bf9\u4e8e\u4fe1\u7528\u5361\u6708\u7ed3\u5355(credit card statements)\u7684\u89c4\u5b9a\uff1a\u25a0\u5982\u679c\u6301\u5361\u4eba\u9009\u62e9\u6bcf\u6708\u4ec5\u652f\u4ed8\u6700\u4f4e\u8fd8\u6b3e\uff0c\u94f6\u884c\u5219\u987b\u544a\u77e5\u6301\u5361\u8005\u672a\u6765\u8981\u7528\u591a\u957f\u65f6\u95f4\u507f\u8fd8\u6240\u6709\u6b20\u5e10\u3002\u56fa\u5b9a\u5229\u7387\u7684\u4fe1\u7528\u5361\u5982\u679c\u5728\u4e0b\u4e00\u8fd8\u6b3e\u5468\u671f(period)\u8981\u8c03\u9ad8\u5229\u7387\uff0c\u94f6\u884c\u5fc5\u987b\u900f\u8fc7\u6708\u7ed3\u5355\u4e8b\u5148\u544a\u77e5\u6301\u5361\u4eba\u5373\u5c06\u8c03\u9ad8\u5229\u7387\uff0c\u4ee5\u53ca\u8c03\u9ad8\u591a\u5c11\u3002<\/p>\n
\u91d1\u878d\u6d88\u8d39\u8005\u673a\u6784FCAC\u7684\u4e3b\u65e8\u662f\u5411\u52a0\u56fd\u6c11\u4f17\u63d0\u4f9b\u5ba2\u89c2\u53ca\u65f6\u7684\u4fe1\u606f\u548c\u8d44\u8baf\uff0c\u5e2e\u52a9\u6c11\u4f17\u4e86\u89e3\u5982\u4f55\u4e0e\u53d7\u8054\u90a6\u653f\u5e9c\u89c4\u7ba1\u7684\u94f6\u884c\u548c\u91d1\u878d\u4fe1\u7528\u673a\u6784\u6253\u4ea4\u9053\u3002\u6709\u5173\u660e\u5e741\u6708\u53ca9\u6708\u5206\u522b\u751f\u6548\u7684\u65b0\u91d1\u878d\u6cd5\u89c4\u8be6\u60c5\uff0c\u53ef\u6d4f\u89c8FCAC\u5b98\u65b9\u7f51\u7ad9fcac-acfc.gc.ca\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"
\u661f\u5c9b\u65e5\u62a5\/\u52a0\u62ff\u5927\u91d1\u878d\u6d88\u8d39\u8005\u673a\u6784(Financial Consumer Agency of Canada, FCAC)\u63d0\u9192\u6c11\u4f17\uff0c\u8054\u90a6\u653f\u5e9c\u9488\u5bf9\u4fe1\u7528\u5361\u53ca\u56fa\u5b9a\u3001\u6d6e\u52a8\u5229\u7387\u8d37\u6b3e(loans)\u6216\u4fe1\u7528\u989d\u5ea6(lines of credit)\u7b49\u91d1\u878d\u4ea7\u54c1\u800c\u5236\u5b9a\u7684\u4e00\u4e9b\u91cd\u8981\u65b0\u91d1\u878d\u6cd5\u89c4\uff0c\u5c06\u4e8e2010\u5e741\u67081\u65e5\u53ca9\u67081\u65e5\u4f9d\u6b21\u5f00\u59cb…
Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[10],"tags":[],"_links":{"self":[{"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/posts\/14298"}],"collection":[{"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=14298"}],"version-history":[{"count":0,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/posts\/14298\/revisions"}],"wp:attachment":[{"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=14298"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=14298"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=14298"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}