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TOEFL IELTS BNC: 1262 COCA: 1125

credit

Word family 
Related topics: Trade, College, Finance, Education
cred·it1 /ˈkredɪt/ ●●● S2 W2 AWL noun
1  DELAYED PAYMENTdelayed payment 推遲付款 [uncountableU]BBTPAY FOR an arrangement with a shop, bank etc that allows you to buy something and pay for it later 賒購；信貸
on credit
Most new cars are bought on credit.
大多數新汽車都是貸款購買的。
The store agreed to let him have credit.
商店同意他賒購。
What’s the credit limit on your Visa card?
你的維薩卡信用額度是多少？
2  praise 贊揚 [uncountableU]PRAISE approval or praise that you give to someone for something they have done 贊揚；贊許
credit for
Credit for this win goes to everybody in the team.
這次勝利是隊裏每個人的功勞。
They never give Gene any credit for all the extra work he does.
吉恩做了那麽多分外的事，可他們對此從來沒有一句稱贊。
take/claim/deserve etc (the) credit
She deserves credit for trying her best.
她盡了最大的努力，應該得到表揚。
to somebody’s credit (=used to say that someone has done something good) 某人值得贊揚[欽佩]
To Jamie’s credit, he remained calm.
值得表揚的是，傑米始終保持冷靜。
Credit must go to Fiona for making sure everything ran smoothly.
應該感激菲奧娜使一切得以順利進行。
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 爲某人/某事物增光
She’s a credit to her profession.
她爲自己的行業赢得了榮譽。
Your children really do you credit.
你的孩子們確實值得你驕傲。
Examples from the Corpus
be a credit to somebody/something• Jo's a credit to her profession.• Is their country going to be a credit to them?• The crowd were a credit to the game of golf.• His garden was a credit to him, too, and he grew flowers and potatoes.• I was a credit to the family and I was a disgrace to it.• Any excess over cost of replacement is credited to capital reserve or a specific asset replacement account.• Mr. Macfie also gave £400, the annual interest to be credited to the Sustentation Fund of the congregation.• To be a credit to the family was the justification for birth.• Equivalent sums would be credited to the enterprises' bank accounts, subject to verification that the money had been earned legally.
4  have something to your credit DOto have achieved something 完成某事
She already has two successful novels to her credit.
她已經寫了兩部很成功的小說。
5  in credit BFBif you are in credit, there is money in your bank account 〔銀行賬戶中〕有存款
There are no bank charges if you stay in credit.
只要你賬戶裏有錢，銀行就不收費。
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 〔電影或電視節目片頭或片尾的〕全體演職員名單
Examples from the Corpus
the credits• All 48 colour plates in this book were by Fred Mitchell, but the artist was barely mentioned in the credits.• Trading in the credits is expected to start in 1994.• In the credits, this was a nice comic moment, underpinning a scene of domestic bliss.• Using the double-entry accounting system, the sum of the debits must always equal the sum of the credits.• I looked for the name of yoof goddess Janet Street-Porter on the credits.• Fifty-six of the schools responding to the survey said they are likely to redeem the credits.
7  on the credit side GOOD POINT OR CHARACTERISTICused to talk about the good things about someone or something 從優點來講
On the credit side, the book is extremely well researched.
從優點來講，這本書經過了非常透徹的研究。
Examples from the Corpus
on the credit side• The telltale entry was the lone item on the credit side: £2,000, from deposit account.
8. (give) credit where credit is due used to say that someone deserves to be praised for the good things they have done 該表揚的就表揚
9  university 大學UNIVERSITY [countableC]SEC a successfully completed part of a course at a university or college 學分
I don’t have enough credits to graduate.
我學分不夠，還不能畢業。
10  amount of money 一筆錢 [countableC] an amount of money that is put into someone’s bank account or added to another amount 存入金額 OPP debit
The company promised to provide credits to customers who had been charged too much.
公司答應把多收的錢存進顧客賬戶。
11  true/correct 真的/正確的TRUE/CORRECT [uncountableU]TRUE the belief that something is true or correct 信任
The witness’s story gained credit with the jury.
證人的陳述被陪審團采信了。
 COLLOCATIONS
verbs
buy/get something on credit 賒購某物
They bought all their furniture on credit.
他們所有家具都是賒賬購買的。
use credit 使用信貸
The survey showed only 15% of people had never used credit.
調查顯示，只有15﹪的人從未使用過信貸。
get/obtain credit (=be allowed to buy something on credit) 取得信貸
The economic situation is making it more difficult for people to get credit.
經濟形勢使得人們越來越難以取得信貸。
give/offer credit (=allow customers to buy things on credit) 允許賒購
A business may lose customers if it does not give credit.
企業若不允許賒購可能會失去客源。
refuse somebody credit 拒絕某人賒購
You may be refused credit if you have a bad financial record.
如果你有不良財務記錄，可能會被拒絕賒購。
credit + NOUN
a 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嗎？
credit facilities (=the opportunity to buy something on credit) 信用透支
Credit facilities are available if you are over 18.
如果你年滿18歲就可以享受信用透支。
a credit agreement (=an arrangement to allow or receive credit) 信貸協議
nPeople sometimes sign credit agreements and then realize they can’t afford the payments.
credit terms (=how much you must pay back and when) 信用條款
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) 某人的信用等級
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) 信貸風險
nBanks first have to assess whether a borrower is a credit risk.
a credit limit (=the most someone can spend using credit) 信用額度
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) 信貸緊縮，收緊信貸
nDue to a credit squeeze, interest rates rose.
ADJECTIVES/NOUN + credit
consumer credit (=the amount of credit used by consumers) 消費信貸
Consumer credit has risen substantially during this period.
這段時期，消費信貸大幅上升。
interest-free credit (=with no interest added to it) 無息貸款
We offer interest-free credit for up to 50 weeks.
我們提供長達50周的無息貸款。
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.
Related topics: Banking, Finance
credit2 ●○○ AWL verb [transitiveT]
1  BFBto add money to a bank account 把錢存入〔賬戶〕 OPP debit
credit to
The cheque has been credited to your account.
支票已存入你的賬戶。
credit with
For some reason my account’s been credited with an extra $76.
不知什麽原因，我的賬戶多出了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 相信某人有某優點[做了某件好事]
Do credit me with a little intelligence!
你要相信我還是有點智商的！
Evans is credited with inventing the system.
據信是埃文斯發明這個系統的。
Examples from the Corpus
credit somebody with (doing) something• But borrowers may be more attracted to egg's offer of free credit.• The ultimate in objectivity is credit scoring.• I just received my new in-store credit card with a charge of $ 24 for fraud insurance on the card.• Revolving Credit: a credit facility with a pre-determined limit.• Inherent musical sense Several recent studies have credited infants with an inherent musical sense, without measuring related brain development.• Leiser credits Franz Liszt with bringing him to San Diego.• She credited Mosby with spearheading the suit by convincing the other women to join.• Such corporations also tend to maintain credit lines with their banks sufficient to repay all their outstanding commercial paper.
3  be credited to somebody/something DOif something is credited to someone or something, they have achieved it or are the reason for it 歸功於某人/某事；某人/某事是…發生的原因
Much of Manchester United’s success can be credited to their manager.
曼聯隊的勝利大半應該歸功於他們的主教練。
Examples from the Corpus
be credited to somebody/something• The revolutionary new drug is widely credited to Arthur Kessler.• Any excess over cost of replacement is credited to capital reserve or a specific asset replacement account.• Capital receipts would normally be credited to reserves and recorded in the balance sheet.• If the bowler throws outside the trebles ring, that score is credited to the batting side as wides.• Equivalent sums would be credited to the enterprises' bank accounts, subject to verification that the money had been earned legally.• But in one year, a capital receipt was credited to the profit and loss account and included in turnover.• In another year, a capital receipt was credited to the profit and loss account but shown as an extraordinary item.• Mr. Macfie also gave £400, the annual interest to be credited to the Sustentation Fund of the congregation.• A part of this can be credited to the team's frugality.
4  BELIEVE formal to believe that something is true 信任；相信
difficult/hard/impossible etc to credit
We found his statement hard to credit.
我們覺得他的說法令人難以信服。
Examples 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 Dictionary
creditcred·it1 /ˈkredɪt/ noun
1[uncountableU]COMMERCE an arrangement with a shop, supplier etc to buy something now and pay for it later
They are saving for new furniture - instead of buying on credit.
Sales were helped by the introduction of interest-free credit.
→ trade credit
2[countableC, uncountableU] an amount by which a payment is reduced, relating for example to goods you have returned
You can return the product within 30 days and get full credit toward the purchase of another.
→ see also letter of credit
3the credit side [uncountableU]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 REVENUEs
Every 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 EnglishBrEBANKING if you are in credit, you have money in your bank account; be in the black
There are no bank charges if you stay in credit.
5[uncountableU]BANKING another name for CREDIT HISTORY
If 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) [countableC, uncountableU]BANKING an arrangement with a bank for a loan, or bank lending in general
The 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.
→ bank giro credit → confirmed irrevocable credit → consumer credit → documentary credit → export credit → extended credit → long-term credit → medium-term credit → personal credit → revolving credit → secured credit → short-term credit → unsecured credit
7[countableC, uncountableU]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 pay
The 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 credit
creditcredit2 verb [transitiveT]
1BANKINGto add money to a bank account
credit to
The interest credited to the income account will be taxable.
→ opposite debit1
2ACCOUNTING to make an entry on the credit side of an account in DOUBLE-ENTRY BOOKKEEPING
On selling an asset, any profit is credited to capital reserve or a specific asset replacement account.
→ opposite debit1
Origin credit1
(1500-1600) French crédit, from Italian, from Latin creditum “something given to someone to keep safe, loan”, from credere; → CREDENCE
TOEFL IELTS BNC: 1262 COCA: 1125
credit

noun¹

 1arrangement to pay later; money borrowed賒購；貸款ADJECTIVE | VERB + CREDIT | CREDIT + NOUN | PREPOSITION | PHRASES ADJECTIVE➤long-term, short-term長期／短期貸款▸➤interest-free無息貸款▸➤foreign國外貸款▸➤bank銀行信貸▸➤consumer, export, trade消費／出口／貿易信貸VERB + CREDIT➤have, use有存款；進行賒購▸➤get, obtain獲得貸款◇If you don't have a regular income you may be unable to get credit.如果你沒有固定收入，可能不會得到貸款。➤extend, give sb, grant (sb), offer (sb), provide（向某人）提供賒購◇Most stores selling furniture will offer credit.大部份出售傢具的商店都準許賒購。➤deny sb, refuse sb拒絕給某人貸款◇The bank refused further credit to the company.銀行拒絕再給那家公司貸款。➤arrange安排貸款▸➤expand擴大信貸◇We propose to expand credit in order to create demand.我們提議擴大信貸以刺激需求。CREDIT + NOUN➤account, agreement, arrangement, facilities, system, terms賒購賬；信貸協議；信貸安排；信貸措施；信貸制度；信貸條款 (see also credit card) ➤limit信用額度◇Your credit limit is now $2 000.你現在的信用額度是 2,000 美元。➤period信貸期▸➤sale, transaction, transfer (BrE) 賒銷；信貸交易；信用轉賬▸➤rating, score, scoring, standing信用等級；信用評分；信譽◇He has a bad credit rating (= seems unlikely to pay the money back).他的還款信用很差。➤history, record信用記錄◇people with poor credit histories信用記錄很差的人➤file, report信用檔案／報告◇The credit report will show all the consumer debt a person has.信用報告會顯示一個人所有的消費者債務。➤risk信用風險◇He's a bad credit risk.他很有可能借錢不還。➤control信貸控制▸➤crunch, squeeze (especially BrE) 信貸緊縮➤expansion信用擴張◇increases in debt created by credit expansion信用擴張產生的債務增長➤bureau, industry, institution, market, union徵信所；信貸業；信貸機構；信貸市場；信用合作社➤analyst信用分析師▸➤note (BrE) 貸方票據◇If damaged items have to be returned, the manufacturer may issue a credit note.損壞的商品如需退回廠家，廠家可開具欠條。➤insurance信貸保險PREPOSITION➤on credit賒購◇I bought it on credit.這是我賒購的。PHRASES➤a letter of credit (= a letter from one bank to another that enables you to obtain money) 信用證◇I have arranged for my branch to send a letter of credit to the branch nearest the hotel.我已經安排我的分行給離酒店最近的分行送去一張信用證。
credit

noun²

 2money in a bank account or owed to you銀行存款ADJECTIVE | VERB + CREDIT | CREDIT + NOUN | PREPOSITION ADJECTIVE➤direct (BrE) 直接存入賬戶◇I'm paid by direct credit into my bank account.付給我的錢直接記在我的銀行賬戶上。VERB + CREDIT➤have有存款◇I have three credits on my bank statement.我的銀行結算單上有 3 筆存款。CREDIT + NOUN➤balance貸方餘額◇a credit balance of €265265 歐元的貸方餘額PREPOSITION➤in credit有結餘◇My account is in credit.我的賬戶上有存款。➤credit of數額為⋯的存款◇a credit of £3535 英鎊的存款
credit

noun³

 3praise/approval讚揚ADJECTIVE | VERB + CREDIT | PREPOSITION | PHRASES ADJECTIVE➤great極大的讚揚➤extra額外的讚揚▸➤full充分的贊揚➤partial有失偏頗的讚揚▸➤due, proper應有的／適當的讚揚◇We should give due credit to all who helped make the event a success.對於所有為這次活動成功作出貢獻的人，我們都應給予應有的讚揚。VERB + CREDIT➤give sb給予某人讚揚▸➤claim, get, receive, take得到讚揚◇Why should she get all the credit?為什麼功勞都歸了她？➤do sb, reflect帶給某人讚譽；增光◇Your concern does you credit.你的關心給你贏得讚譽。◇The success of the venture reflects great credit on the organizers.這次冒險行動的成功為組織者帶來了很大的榮譽。➤deserve值得讚揚PREPOSITION➤to sb's credit使某人值得讚揚◇To her credit, she gave them lunch.她給他們提供了午餐，這一點得讚揚。➤credit for因⋯應得的讚譽◇At least give him credit for trying.至少他嘗試過，這就值得表揚。PHRASES➤give credit where credit is due該表揚的就得表揚➤to sb's great credit使某人值得大加讚揚◇To her great credit, she does not try to avoid the truth.她沒有試圖迴避事實，這值得大加讚揚。➤to sb's eternal credit, to sb's everlasting credit (especially NAmE) 使某人值得永遠的讚揚
credit

noun⁴

 4the credits list of people who worked on a film/movie, etc.演職人員名單ADJECTIVE | VERB + THE CREDITS | THE CREDITS + VERB ADJECTIVE➤opening片頭演職人員名單▸➤closing, end, final片尾演職人員名單▸➤film, movie (especially NAmE) 電影演職人員名單VERB + THE CREDITS➤watch留意演職人員名單THE CREDITS + VERB➤roll演職人員名單字母滾動◇We left before the final credits began to roll.片尾演職人員名單還未出現我們就退場了。
credit

noun⁵

 5sb/sth that brings respect to sb/sth else榮譽ADJECTIVE | PREPOSITION ADJECTIVE➤great極大的榮譽PREPOSITION➤credit to⋯的榮譽◇He's a great credit to the school.他為學校爭光不少。
credit

noun⁶

 6unit of study at a university, college or school學習單元ADJECTIVE | VERB + CREDIT | CREDIT + NOUN ADJECTIVE➤course課程學分◇Participants were given course credit for their participation in the study. (NAmE) 因為參與了這項研究而給予參加者課程學分。➤college (NAmE) 大學學分VERB + CREDIT➤earn取得學分◇He took some advanced courses to earn college credits.他為了獲得大學學分而修了幾門高級課程➤award, grant給予學分➤offer提供學分◇modules offering continuing education credits提供繼續教育學分的課程單元➤transfer轉學分◇Students may have difficulty transferring credits to other institutions.學生要把學分轉到其他學校恐怕有難度。CREDIT + NOUN➤hour (NAmE) 學分時◇Tuition costs are based on the number of credit hours enrolled.學費的多少根據所選學分時數而定。
credit

verb¹

 1put money in the bank往銀行存錢PREPOSITION | PHRASES PREPOSITION➤with把⋯存入賬戶◇The bank credited the oil company with $500 000.銀行向那家石油公司提供 50 萬美元信用貸款。PHRASES➤credit sth to sb's account把⋯存入某人的賬戶
credit

verb²

 2with an achievement/quality成就；品質PREPOSITION | PHRASES PREPOSITION➤with認為有⋯品質◇I credited you with a little more sense.我認為你更理智一些。PHRASES➤be credited as sth, be credited with sth被認為⋯◇She is generally credited as having written over 50 novels.人們普遍認為她已經寫了 50 多本小說。➤be credited to sb把⋯歸功於某人◇The work has been credited to a 16th-century bishop.這一作品已被認定出自 16 世紀的一位主教之手。➤be generally credited with sth, be widely credited with sth普遍認為⋯是某人的功勞◇He is widely credited with having started the Middle East peace process.人們普遍認為是他啟動了中東和平進程。
credit

verb³

 3 (BrE) believe相信VERB + CREDIT➤can hardly, can scarcely幾乎不能相信◇I could hardly credit it when she told me she was leaving.她告訴我她要離開，我幾乎不能相信。➤be hard to難以相信◇I find what he says rather hard to credit.我覺得他的話很難令人相信。
TOEFL IELTS BNC: 1262 COCA: 1125
credit noun
⇨ loan (interest-free credit) ⇨ praise (give sb credit for sth)
TOEFL IELTS BNC: 1262 COCA: 1125

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