Chinese Library: Credit

Some of the following Consumer Action publications are available in bulk for non-profit or government agencies to distribute for educational purposes. Further info can be found on the How To Order Publications page.

Library: Chinese | Personal Bankruptcy: Your financial fresh start (Chinese) . 消費者在承受債務重擔時,申報破產可以再重新規劃個人財務。但是在做這個決定以前,你應該先盡量瞭解關於破產的處理過程,以及個人可能會受到的影響。這本指南對於兩種不同的個人破產型式、申報人的必備條件、相關債務及資產會產生哪些變化、有哪些可以考慮的替代方法、一般會進行的法律程序,以及何處可獲取協助資源及更多訊息等等,均有詳盡說明。
Bankruptcy can offer a financial fresh start for consumers overwhelmed by debt, but there is a lot to know about the process and potential consequences before a decision to file can be made. This guide explains the differences between the two types of personal bankruptcy, what is required of filers, what happens to debts and assets, alternatives to consider, the general legal process, and where to find assistance and more information. Category: Bankruptcy Credit Consumer Rights Debt Collection Housing Mortgages on Feb 16, 2018

Library: Chinese | Get a car loan (Chinese) That’s in your best interest. 如果你正在尋求貸款購買新車或二手車,即使你的信用記錄很差,你還是可以有很多選擇。然而,逾期付款和其它信用問題則會令貸款公司把你列為高風險客戶,並因此提高你的貸款利率。每家貸款公司的利率都有所不同,因此要貨比三家才能找到最划算的貸款。 If you are seeking financing for a new or used car, you could have many options even if you have a poor financial history. However, late payments and other credit problems signal lenders that you are a risky customer, which will increase the interest rate on the loans available to you. There are differences between lenders—so shop around to find the best deal. Category: Auto Lending/Insurance Credit on May 23, 2017

Library: Chinese | The Fair Debt Collection Practices Act (Chinese) . 這本簡明的公平追討債務法案(FDCPA)小冊子讓消費者明白追債公司必須依照法律規定來追討債務,法律允許他們採取哪些行動,以及法律不允許他們採取哪些行動。該手冊還提供了關於如何阻止追債公司不斷聯繫你的資訊,如果追債公司違反公平追討債務法案(FDCPA)時你可以怎麼做,以及你可以從哪裡得到更多的資訊和個人援助。This concise guide to the Fair Debt Collection Practices Act (FDCPA) makes consumers aware of what collectors must do under the law, what they are allowed to do, and what they are prohibited from doing. It also provides information about getting a collector to stop contacting you, what your options are if a collector violates the FDCPA and where to get more information or personal assistance. Category: Bankruptcy Credit Debt Collection on Sep 20, 2016

Library: Chinese | Money Management 1-2-3: TWO: Achieving Financial Goals (Chinese) . “Money Management 1-2-3:你一生都應精明理財” ,這本系列手冊的詳述重點著重於初級,中級,和高級程度的基本理財技術方面。第二部份:完成財務規劃目標,列明如何更新個人預算表,積存老本,以及保護個人資產。主題內容包括:如何處理預算及債務,申報所得稅需知,關於儲蓄和投資,以及成為屋主及購買相關保險等等。 The “Money Management 1-2-3: Be Smart About Money All Your Life” series focuses on basic money management skills at the beginner, intermediate and advanced level. Part two, Achieving Financial Goals, addresses updating your budget, accumulating a nest egg and protecting your assets. Topics include budgeting and debt management, saving and investing, homeownership and insurance. Category: Credit Debt Collection Housing Insurance Investing Mortgages Money Management Taxes on Aug 24, 2016

Library: Chinese | Money Management 1-2-3: ONE: Getting a Strong Start (Chinese) . "Money Management 1-2-3: 你一生都應精明理財" ,這本系列手冊的詳述重點著重於初級,中級,和高級程度的基本理財技術方面。第一部份:慎重開始,詳列如何打理個人收入,明智使用信貸,與個人財富長久共存。主題內容包括:瞭解個人薪資單內容,編列預算,開立銀行帳戶,建立良好信貸紀錄,以及妥善處理個人學生貸款。The “Money Management 1-2-3: Be Smart About Money All Your Life” series focuses on basic money management skills at the beginner, intermediate and advanced level. Part one, Getting a Strong Start, addresses how to manage your income, use credit wisely and live within your means. Topics include understanding your pay stub, filing your tax returns, creating a budget, setting up bank accounts, establishing and building good credit and managing student loans. Category: Banking Credit Credit Reports/Scores Money Management Student Loans Taxes on Jul 29, 2016

Library: Chinese | Debtors’ Rights (Chinese) Protecting yourself from debt collection lawsuits. 本指南旨在幫助消費者了解:如何與討債人溝通;當面對追債訴訟時,消費者有什麼權益;在哪裡可以找到法律資料和諮詢意見;應對訴訟的一般過程;如果消費者輸掉官司,他們會有什麼權益;以及如何向收債人提出投訴。This 16-page guide helps consumers who owe money understand how to avoid a debt collection lawsuit, what the legal process is if they can’t avoid being sued, their rights if they lose the suit and how to file a complaint against a debt collector. Category: Bankruptcy Credit Debt Collection on May 19, 2016

Library: Chinese | An Employee’s Guide to Payroll Cards (Chinese) . 這本4頁長的工資卡使用指南是專為各公司員工編寫,協助大家決定最合適個人的選項,同時可以瞭解工資卡的使用功能、如何避免額外費用,以及相關用卡權益。
This four-page guide is designed to help employees who work for companies that offer a payroll card to determine whether that is their best option, understand how the cards work and how to avoid fees, and know their rights. Category: Banking Credit Consumer Rights Money Management Prepaid Cards on Jul 17, 2014

Library: Chinese | Improve Your Credit -  Put Bad Credit Behind You (Chinese) . 這本簡單易讀的手冊說明良好信用的重要性、信貸申請如不獲批准時的個人權利、如何查核個人信用報告﹑如果信用報告有錯誤時如何爭議﹐以及如何開始建立良好信用。
An easy-to-read brochure that explains why having good credit is important, your rights if your credit application is rejected, how to check your credit report, how to dispute mistakes on your credit report and how to begin to rebuild good credit. Category: Credit Credit Fraud Credit Reports/Scores Credit Scores Fraud/Scams on Aug 28, 2012

Library: Chinese | Credit Reports and Credit Scores (Chinese) . 你的信用記錄在促成你的重要信貸目標中具有很深的影響力。你應該知道自己有哪些相關資料曾被人搜集,你應如何解說和加以改善,以及你應有的權益。Your credit history has a significant impact on your ability to achieve important financial goals. Learn what information is collected about you, how to interpret and improve it, and what your rights are. Category: Credit Credit Cards Credit Reports/Scores Mortgages on Feb 15, 2011

Library: Chinese | Consumer Reports and Specialty Reports (Chinese) . 很多公司利用與信用相關的報告來推測你成為一位好員工,患病或申請保險理賠的機率有多高。你有權利知道其中到底收集了些甚麼資料,和針對不正確的內容提出爭議。Companies use consumer and specialty reports, much like credit reports, to determine such things as how likely you are to be a good employee, become ill or file an insurance claim. You have the right to see what is collected about you and to dispute inaccurate information. Category: Credit Credit Reports/Scores Credit Scores Mortgages on Feb 15, 2011

Library: Chinese | Credit Cards - What You Need To Know (Chinese) . 很多人使用信用卡 ﹣但是他們明白信用卡公司合約書上面那些專業用詞嗎?本手冊的編排內容專為協助讀者了解各類信用卡,讓你分類挑選最適合自己的,並可看懂信用卡合約書專業用詞以及條件,避免付費及罰金。 Most people use credit cards—but do they know the terms of the agreement they have with their card issuer. This brochure is designed to help readers understand the different types of cards available; sort through offers to choose the card that's right for them; understand credit card terms and conditions, and avoid fees and penalty rates. Category: Credit Credit Cards on Nov 11, 2010

Library: Chinese | Good Credit - Build it and keep it (Chinese) . 本文說明何謂信用記錄﹑什麼是信用報告﹑如何得到個人信用報告、如何建立良好信用﹐以及在發生困難時向哪一個機構投訴。
A fact sheet that explains what credit history is, what a credit report is, how to get your credit report, how to establish good credit and where to complain if you have a problem. Category: Credit Credit Reports/Scores Credit Scores Fraud/Scams on May 14, 2010

Library: Chinese | Families and Credit Cards (Chinese) . 這本社區教育手冊是專門為正在衡量給兒女信用卡是否有益的家長而編印的。各項主題範圍包括﹕青少年與信用卡﹑在帳戶上增加副卡持有人﹑附屬卡持有者規定﹑子女外出旅遊時的付款選擇以及瞭解良好信用的重要性。
This educational brochure is designed for parents who are weighing the merits of giving their children credit cards. The topics covered include youth and credit cards, adding cardholders to your account, secondary cardholder policies, payment options for kids while they’re traveling and helping young people understand the importance of good credit. Category: Credit Credit Cards on May 11, 2010

Library: Chinese | Staying on Track With Credit (Chinese) How to use credit wisely. 對那些瞭解信貸的使用代價跟優點,以及懂得如何明智地使用信貸的消費者來說,信貸可以成為一種有用的財務工具。這本手冊解釋了「無限次」,又稱為循還式信貸,包括信用卡,房屋淨值信貸(HELOC: Home Equity Line of Credit)和支票透支信用額(Overdraft Lines of Credit),同時還討論使用信貸的好處及壞處。該手冊還包括如何避免使用高收費信貸的技巧。
Credit can be a valuable financial tool for consumers who understand its costs and benefits and how to use it wisely. This brochure defines open-ended, or revolving, credit, including credit cards, home equity lines of credit and overdraft lines of credit, and discusses the pros and cons of using credit. It includes tips on high-cost credit to avoid. Category: Credit Credit Reports/Scores Credit Scores Money Management on Jul 09, 2009

Library: Chinese | Recognizing Credit Card Fraud (Chinese) . 當消費者將信用卡號碼給了不熟識的人、信用卡遺失或遭竊、郵件被偷或被罪犯利用、公司職員複印他人信用卡或卡號,信用卡詐騙案就發生了。這本消費者行動最新發行的手冊提醒大家認明及避免形形色色有關信用卡之詐騙,例如:仿製信用卡、假冒騙取信用卡、身份盜用、偽造信用卡等等。
Credit card fraud happens when consumers give their credit card number to unfamiliar individuals, when cards are lost or stolen, when mail is diverted from the intended recipient and taken by criminals, or when employees of a business copy the card or card numbers of a cardholder. This new Consumer Action publication explains how to recognize and avoid many forms of fraud that involve credit cards, such as skimming, phishing, ID theft and counterfeit cards. Category: Credit Credit Cards Fraud/Scams on Jul 08, 2009

Library: Chinese | Understanding Your Credit Score (Chinese) . 個人信用評分就是個人信用歷史的一個“寫照”。貸款公司﹑保險公司及其它相關行業用它來評估是否值得貸款給你﹐以及你是否會支付帳單和償還貸款。這本手冊內容有﹕何謂信用評分﹑如何解讀﹐以及如何保持或改善它。
Your credit score is a "snapshot" of your credit history that is used by lenders, insurers and others to assess your creditworthiness and the likelihood that you will pay your bills and repay outstanding loans. This publication explains how to learn your score, how to interpret it and how to maintain or improve it. Category: Credit Credit Reports/Scores on Feb 26, 2008

Library: Chinese | California Car Buyer’s Bill of Rights (Chinese) . 由2006年7月1日開始, 有一項重大的新聞是與加州購車者有關的。這項購車者權利法案將改變加州成千上萬的汽車買賣方式。
California car buyers have important new rights beginning July 1, 2006. The Car Buyer’s Bill of Rights will change the way millions of cars are bought and sold in California. Category: Auto Lending/Insurance Credit Credit Reports/Scores Credit Scores on Jun 16, 2006

Library: Chinese | How to send money home (Chinese) Tips for transferring money overseas. 很多移民會將賺來的錢匯寄一些給故鄉的親朋好友。匯款到海外有幾種方法, 為了協助大家, 這本刊物對於各類匯款公司有詳盡之解說。
Many immigrants send some of their earnings to relatives and friends in their home countries. There are several ways to transfer money overseas. This publication explains the different types of companies that can help with this task. Category: Banking Credit Prepaid Cards on Jan 06, 2006

Library: Chinese | Poor Credit means Higher Interest Rates - How to avoid bad loans (Chinese) . 此手冊內容是關於信用不佳者所能申請得到的“次級”貸款。當消費者信用太差時,他們的房屋、汽車或信用卡等貸款利率都會比一般的公平價目高,這些人很容易成為所謂掠奪性不良借貸交易的受害者。本文涵蓋合法貸款案例、不良借貸預警訊號、如何避免成為受害者、書面投訴方法及相關諮詢協助資源等。
This brochure addresses "subprime" loans offered to people with credit problems. While consumers with poor credit can find fairly priced mortgages, car loans and credit cards at higher-than-average rates, this population is easily victimized by very bad deals called predatory lending. This brochure covers illegal lending practices, warning signs of bad loans, how to avoid becoming a victim, filing a compaint and resources for advice and assistance. Category: Credit on Apr 01, 2004

Library: Chinese | Giving Yourself Some Credit (Chinese) . 本文內容詳述何謂信貸﹑如何申請及使用等。同時說明信貸評級﹑信用報告機構﹐以及消費者定期查核個人信用報告是否正確無誤的重要性。也有解說何謂公平信貸法 (Equal Credit Opportunity Act).
An illustrated fact sheet describing what credit is, how to obtain it, and how to use it. Also describes credit ratings, credit bureaus, and the importance of consumers periodically reviewing a copy of their credit report for accuracy. Explains the Equal Credit Opportunity Act. Category: Credit on Apr 02, 1993

Library: Chinese | California Immigrants and Credit (Chinese) . 本文專門向加州移民解說有關信貸問題: 申請資格﹑如何正確使用﹑如何避免發生問題等。而且針對貸款公司﹑信用記錄﹑信用報告機構﹑信用詐騙及信貸濫用等均有討論。內容並包括簡短的信貸專有名詞以及社區資源名單以便提供更多資訊。
A fact sheet designed to explain credit to California immigrants: how to qualify for it, how to use it properly, and how to avoid problems. Discusses creditors, credit history, credit bureaus, scams, and abuses. Includes a short glossary of credit terms and a listing of community resources for further information. Category: Credit on Apr 01, 1993

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