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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 推迟付款 [uncountableU]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 [uncountableU]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。
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
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 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。
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 该表扬的就表扬
9  university 大学UNIVERSITY [countableC]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 [countableC] 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 [uncountableU]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。
 COLLOCATIONS
verbs
buy/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 + 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 + credit
consumer 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.
Related topics: Banking, Finance
credit2 ●○○ AWL verb [transitiveT]  
1  BFBto add money to a bank account 把钱存入〔账户〕 OPP debit
credit 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]
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 归功于某人/某事；某人/某事是…发生的原因
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
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
cred·it1 noun →COLLOCATIONS1credit2 verb
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