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1consumer mindset
消费者思维模式
用 法：mindset 指固定的思维倾向，常与 consumer/market 等搭配，多用于商业与雅思写作话题。
记忆忆：mind（思维）+ set（设定）→ 思维被设定好的模式。
搭配consumer mindset shift, a typical consumer mindset, shape the consumer mindset
近义consumer attitude, buyer mentality, purchasing psychology
派生mindset n. 思维模式；mindsets 复数
Advertisers must understand the consumer mindset before launching any new campaign.
广告商在推出任何新活动之前必须了解消费者的思维模式。
2cataloguing assistant
编目助理
用 法：cataloguing 是英式拼写，美式为 cataloging；指对藏品、资料进行分类编目的工作。
记忆忆：catalogue（目录）+ ing + assistant（助理）。
搭配library cataloguing assistant, a cataloguing assistant position
近义cataloguer, indexing assistant
派生catalogue v./n. 编目；目录
The museum hired a cataloguing assistant to organise its vast collection of ancient coins.
博物馆雇了一名编目助理来整理其大量古币藏品。
3secrete antibiotics
分泌抗生素
用 法：secrete 意为（生物体）分泌，主语多为细胞、腺体或微生物，宾语常为激素、酶、抗生素。
记忆忆：se-（分开）+ crete（生长）→ 分泌出来。
搭配secrete hormones, secrete enzymes, secrete a substance
近义release, exude, emit
派生secretion n. 分泌物；secretory adj. 分泌的
Certain soil bacteria secrete antibiotics that inhibit the growth of harmful fungi.
某些土壤细菌会分泌抑制有害真菌生长的抗生素。
4peripheral detail
细枝末节
用 法：peripheral 意为外围的、次要的，常修饰 detail、issue、role 等，强调非核心。
记忆忆：peri-（周围）+ pher（带来）+ al → 带到周围、非中心的。
搭配peripheral vision, peripheral issue, peripheral role
近义marginal detail, minor point, secondary detail
反义central detail, core issue
派生periphery n. 外围；peripherally adv. 次要地
A good editor removes peripheral details so the main argument stands out clearly.
优秀的编辑会删去细枝末节，使主要论点清晰突出。
5academic requirement
学术上的要求
用 法：academic requirement 常用复数 academic requirements，指入学或毕业须满足的学术条件。
搭配meet the academic requirement, minimum academic requirement, entry requirement
近义academic standard, scholarly criterion
派生require v. 要求；requirement n. 要求
Meeting the academic requirement is essential for admission to most top universities.
达到学术要求对进入大多数顶尖大学至关重要。
6redundant leaves
多余的叶子
用 法：redundant 意为多余的、冗余的，可修饰 leaves、information、staff 等，含“可去除”之意。
记忆忆：re-（再）+ dund（溢出）+ ant → 溢出多余的。
搭配redundant information, redundant staff, become redundant
近义superfluous leaves, excess leaves, unnecessary leaves
反义essential leaves, necessary leaves
派生redundancy n. 冗余；redundantly adv. 多余地
Gardeners prune redundant leaves to help the plant direct energy to fruit production.
园丁修剪多余的叶子，以帮助植物将能量集中用于结果。
7genetic engineering
基因工程
讲解不可数名词短语，常作主语或宾语，多用于科技与伦理类雅思写作话题
搭配genetic engineering technology, the ethics of genetic engineering, advances in genetic engineering
近义genetic modification, gene manipulation
派生genetic engineer（基因工程师）
Genetic engineering has sparked heated debate about whether scientists should alter human DNA.
基因工程引发了关于科学家是否应改变人类DNA的激烈争论。
8dice with death
拿性命开玩笑
讲解动词短语，多用于口语和非正式写作，强调冒极大风险
搭配dice with death by doing sth, be dicing with death
近义risk one's life, play with fire
反义play it safe, act cautiously
Driving without a seatbelt on icy roads is simply dicing with death.
在结冰的路面上不系安全带开车简直是在拿性命开玩笑。
9disturbing experiment
恼人的实验
讲解disturbing 意为令人不安的，修饰 experiment 时多含负面评价色彩
搭配conduct a disturbing experiment, a disturbing experiment on animals
近义unsettling experiment, troubling experiment
反义reassuring experiment, comforting experiment
The disturbing experiment on animals raised serious ethical concerns among the public.
这项令人不安的动物实验引发了公众的严重伦理担忧。
10leisure facility
休闲设施
讲解可数名词短语，指供人们休闲娱乐的场所或设备，常用于城市生活话题
搭配build a leisure facility, public leisure facilities, a wide range of leisure facilities
近义recreational facility, amenity
派生leisure facilities（复数形式更常见）
The new leisure facility offers residents a swimming pool, a gym and a cinema.
新的休闲设施为居民提供了游泳池、健身房和电影院。
11defence against
防御…
讲解名词短语，后接 against 表示防御的对象，英式拼写为 defence
搭配a defence against disease, build up defences against, provide a defence against
近义protection against, safeguard against
反义vulnerability to, exposure to
Regular exercise is one of the best defences against heart disease.
经常锻炼是预防心脏病的最佳方法之一。
12suburban sprawl
郊区扩张
讲解不可数名词短语，多含贬义，常用于城市化与城市规划类写作
搭配uncontrolled suburban sprawl, curb suburban sprawl, the impact of suburban sprawl
近义urban expansion, urban encroachment
反义urban consolidation, compact city development
Suburban sprawl has swallowed up farmland and forced commuters to travel longer distances.
郊区扩张吞噬了农田，迫使通勤者出行距离更远。
13make a difference
起(重要)作用
讲解后常接to/for/in，表示对某事物产生影响；雅思写作中常用于论证小举措有大作用。
搭配make a big difference, make little difference, make all the difference
近义have an impact, matter, count
反义make no difference
派生difference-maker
Small daily choices can make a real difference to your long-term health.
每天的小选择会对你的长期健康产生真正的影响。
14rational determination
理性判断
讲解偏正式，多用于议论文或学术语境，强调基于逻辑与证据的判断而非直觉。
搭配sound rational determination, show rational determination
近义sound judgment, logical reasoning
反义emotional impulse, irrational choice
Good leaders rely on rational determination rather than emotional impulse when facing crises.
优秀的领导者在面对危机时依靠理性判断而非情绪冲动。
15plausible mechanism
合理的机制
讲解plausible指看似合理、可信但未必被证实；mechanism指产生某结果的运作方式。
搭配propose a plausible mechanism, a plausible explanation
近义credible mechanism, reasonable explanation
反义implausible account
Scientists must propose a plausible mechanism before their findings gain wide acceptance.
科学家必须提出一种合理的机制，其发现才会被广泛接受。
16be entitled to
有权…，有资格…
讲解be entitled to后接名词或to do sth，表示依法或依规享有的权利，语气正式。
搭配be entitled to compensation, be entitled to vote
近义have the right to, be eligible for
反义be deprived of, be denied
Every employee is entitled to paid leave and safe working conditions by law.
每位员工依法都有权享受带薪休假和安全的工作条件。
17volcanic crater
火山口
讲解crater指火山口或陨石坑；volcanic crater强调由火山活动形成的碗状凹陷。
搭配a dormant volcanic crater, the rim of the crater
近义caldera, vent
派生cratered
The volcanic crater has gradually filled with rainwater to form a stunning lake.
这座火山口逐渐积满雨水，形成了一个迷人的湖泊。
18tourism service
旅游服务
讲解常用复数tourism services，指面向游客提供的各类服务，是旅游经济类话题高频表达。
搭配improve tourism services, quality tourism services
近义travel services, hospitality industry
派生tourism-service sector
The island's economy depends heavily on tourism services such as hotels and guided tours.
该岛的经济严重依赖酒店和导游等旅游服务。
19lightning conductor
闪电传导器
讲解本义为避雷装置，引申指代人受过者或缓冲者。注意 conductor 在此指导体而非指挥。
搭配lightning rod, lightning strike, install a conductor
近义lightning rod, protector, buffer
派生conduction, conductive, conductivity
The tall building was fitted with a lightning conductor to protect it from strikes.
这座高楼安装了避雷针以保护其免受雷击。
20vertical pillar
立柱
讲解vertical 强调垂直方向，pillar 指柱子，也引申为核心支柱或中坚力量。
搭配a pillar of society, pillar industry, stone pillar
近义column, post, support
反义horizontal beam, crossbar
派生pillarless, pillared
The ancient temple was supported by a massive vertical pillar carved from stone.
这座古庙由一根巨大的石雕立柱支撑。
21sell out
售空
讲解表示商品售完，常用主动形式表被动含义；也指背叛原则或出卖他人。
搭配sell out quickly, be sold out, sell out to
近义be out of stock, be snapped up
反义be in stock, remain available
派生sellout, sold-out
The concert tickets sold out within minutes, leaving many fans disappointed.
演唱会门票几分钟内就售罄了，让许多粉丝很失望。
22sea mammal
海洋哺乳动物
讲解mammal 指哺乳动物，sea 作定语修饰；雅思阅读常考海洋生物分类与特征。
搭配marine mammal, sea creature, ocean habitat
近义marine mammal, aquatic animal
派生mammalian, mammalogy
The whale is a sea mammal that breathes air through its blowhole.
鲸鱼是一种通过喷气孔呼吸空气的海洋哺乳动物。
23exclusive use of...
专用…
讲解exclusive 意为专有的、排他的；常用于法律、房产、合同语境。
搭配exclusive rights, exclusive access, for the exclusive use of
近义sole use, private use, restricted use
反义shared use, common use
派生exclusively, exclusivity, exclude
The residents were granted exclusive use of the rooftop garden for private events.
居民获准专用屋顶花园举办私人活动。
24allocate for
把…拨给
讲解allocate 指为特定目的分配资源，常与 for/to 连用，用于学术写作与政策话题。
搭配allocate resources, allocate funds, allocate time
近义assign, distribute, allot
反义withhold, withdraw
派生allocation, allocable
The government decided to allocate more funding for public transportation in rural areas.
政府决定为农村地区的公共交通拨出更多资金。
25human behaviour
人类行为
讲解学术高频搭配，常用于社科类雅思阅读和写作，指人类整体行为模式
搭配human behaviour patterns, influence human behaviour, study human behaviour
近义human conduct, human action
派生behavioural (adj.), behaviourism (n.)
Psychologists have long studied how social environment shapes human behaviour in urban areas.
心理学家长期以来一直在研究社会环境如何塑造城市地区的人类行为。
26pump out
大量供应；连续播放
讲解原义为泵出液体，引申为大量生产或排放，含贬义或强调数量之大
搭配pump out waste, pump out music, pump out products
近义churn out, spew out, produce en masse
反义cut back, reduce output
Factories along the river pump out huge amounts of waste into the water every day.
沿河的工厂每天向水中排放大量废物。
27harsh climate
严酷气候
讲解描述极端天气条件，雅思环境类话题常用，harsh 强调条件恶劣难以忍受
搭配survive a harsh climate, adapt to a harsh climate, harsh climatic conditions
近义severe climate, extreme climate
反义mild climate, temperate climate
Few crops can survive the harsh climate of the Arctic region.
很少有农作物能在北极地区严酷的气候中存活。
28mutual respect
相互尊重
讲解强调双向对等，常用于教育、职场、国际关系类话题，语气正式
搭配build mutual respect, mutual respect for, a relationship of mutual respect
近义reciprocal respect, mutual esteem
反义mutual contempt, disrespect
A healthy classroom depends on mutual respect between teachers and students.
健康的课堂有赖于师生之间的相互尊重。
29keep...at bay
使…不能接近
讲解意为使某事物无法靠近或造成威胁，常用于健康、安全类话题
搭配keep stress at bay, keep illness at bay, keep danger at bay
近义hold off, ward off, fend off
反义invite, attract
Regular exercise and a balanced diet can help keep stress at bay.
规律运动和均衡饮食有助于防止压力侵扰。
30industrial expansion
工业扩张
讲解描述工业规模扩大，雅思历史和经济类阅读常见，注意与 industrial revolution 区分
搭配rapid industrial expansion, drive industrial expansion, industrial expansion policy
近义industrial growth, industrial development
反义industrial decline, deindustrialisation
Rapid industrial expansion in the nineteenth century transformed the British landscape.
十九世纪快速的工业扩张改变了英国的地貌。
31tectonic plates
构造板块
讲解地理地质类学术名词，雅思阅读天文地理文章高频出现，常与 movement/shift 搭配。
记忆tectonic 源自希腊语 tekton（建造者），板块如地球的建造砖块。
搭配tectonic plate movement, tectonic activity, tectonic shift
近义plate movement, crustal plates
派生tectonics（构造地质学）
Scientists believe the movement of tectonic plates caused this massive earthquake in the region.
科学家认为，构造板块的运动导致了该地区的这场大地震。
32phenomenal concentration
非凡的专注力
讲解用于描述超常能力，雅思口语描述人物或经历时可替代 very good。
记忆phenomenal 意为「非凡的」，concentration 指注意力集中。
搭配phenomenal concentration, intense concentration, lose concentration
近义extraordinary focus, remarkable attentiveness
反义poor concentration, distraction
Top athletes often display phenomenal concentration during the final minutes of a crucial match.
顶尖运动员在关键比赛的最后一分钟往往展现出非凡的专注力。
33wooded ravines
树木繁茂的峡谷
讲解自然景观描写用语，适合雅思口语描述地点或写作环境类话题。
记忆wooded 意为「长满树木的」，ravine 指深而窄的峡谷。
搭配wooded ravines, deep ravines, hike through ravines
近义forested valleys, tree-covered gorges
派生ravine（峡谷）
We hiked through wooded ravines where sunlight barely reached the forest floor.
我们徒步穿过树木繁茂的峡谷，阳光几乎照不到林地。
34cognitive behaviour
认知行为
讲解心理学与健康类话题高频词，雅思阅读与写作常见于心理健康讨论。
记忆cognitive 意为「认知的」，behaviour 指行为，合指思维与行为的关联。
搭配cognitive behaviour therapy, cognitive behaviour patterns, change behaviour
近义thought patterns, mental behaviour
派生cognitive（认知的）, behavioural（行为的）
Therapists often use cognitive behaviour techniques to help patients manage anxiety disorders.
治疗师常用认知行为技术帮助患者应对焦虑症。
35virtual collaboration
实质意义上的合作
讲解描述远程办公与团队合作，雅思写作科技类话题常用表达。
记忆virtual 意为「虚拟的」，collaboration 指合作，合指线上协作。
搭配virtual collaboration, online collaboration, team collaboration
近义remote teamwork, online cooperation
反义face-to-face collaboration, isolation
派生collaborate（合作）, collaborative（协作的）
Remote teams rely on virtual collaboration tools to complete projects across different time zones.
远程团队依靠虚拟协作工具来完成跨时区的项目。
36rush hour
交通高峰期
讲解城市交通类高频短语，雅思口语与写作讨论城市问题时常用。
记忆rush 意为「匆忙」，hour 指时段，合指人流车流最拥挤的时段。
搭配during rush hour, morning rush hour, rush hour traffic
近义peak hour, busy period
反义off-peak hours, quiet period
Commuters often spend hours stuck in traffic during rush hour in major cities.
在大城市，通勤者常常在交通高峰期被困在车流中数小时。
37faecal filth
排泄物
讲解正式书面用语，多用于卫生、环境、公共卫生类话题，雅思阅读与写作中常见。
搭配faecal filth, faecal contamination, faecal matter
近义excrement, human waste, sewage
派生faecal (adj.) 粪便的；faeces (n.) 粪便
Poor sanitation allows faecal filth to contaminate drinking water in many developing regions.
在许多发展中地区，糟糕的卫生条件使排泄物污染了饮用水。
38come to sb's rescue
挽救/搭救某人
讲解固定搭配 come/go to sb's rescue，意为及时帮助某人脱离困境，口语与写作均可。
搭配come to sb's rescue, go to sb's rescue, rush to sb's rescue
近义help sb. out, bail sb. out
反义abandon sb., leave sb. in the lurch
When the small business faced bankruptcy, a local investor came to its rescue.
当这家小企业面临破产时，一位当地投资者出手相救。
39rear light
尾灯
讲解英式常用 rear light，美式多说 taillight；指车辆尾部的灯，描述交通安全时常用。
搭配rear light, rear window, rear seat
近义taillight, tail lamp
反义headlight, front light
The cyclist fitted a bright rear light to stay visible on dark country roads.
这位骑车人装了一盏明亮的尾灯，以便在黑暗的乡间道路上保持可见。
40fertilised embryo
受精胚胎
讲解fertilised 为英式拼写，美式作 fertilized；常用于生物、医学与伦理类阅读文章。
搭配fertilised embryo, fertilised egg, embryo development
近义fertilized egg, zygote
派生fertilise (v.) 使受精；fertilisation (n.) 受精
Scientists studied how a fertilised embryo develops during the first few weeks.
科学家研究了受精胚胎在最初几周内如何发育。
41compensate (sb.) for sth.
弥补，补偿；赔偿
讲解compensate sb. for sth. 表示因损失或损害给予补偿，注意介词 for 不可省略。
搭配compensate sb. for sth., compensate for losses, fully compensate
近义make up for, reimburse sb. for sth.
派生compensation (n.) 补偿；compensatory (adj.) 补偿性的
The airline agreed to compensate passengers for the long delay of their flight.
该航空公司同意就航班的长时间延误向乘客做出赔偿。
42integrate with
使与…结合
讲解integrate with 强调与某群体融合；integrate into 则强调融入某个整体，注意区分。
搭配integrate with the community, integrate into society, fully integrate
近义blend in with, assimilate into
反义separate from, isolate from
派生integration (n.) 融合；integrated (adj.) 融合的
New immigrants often struggle to integrate with the local community in a short time.
新移民往往难以在短时间内融入当地社区。
43academic qualification
学历
讲解可数名词短语，指通过正规教育获得的学历资格，常与 hold/obtain/require 连用。
搭配academic qualification, obtain a qualification, require qualifications, recognised qualification
近义educational background, academic credential
派生qualify v. 取得资格；qualified adj. 合格的
Many employers in big cities require a recognised academic qualification before offering a job interview.
大城市的许多雇主在提供面试机会前都要求具备受认可的学历。
44encourage irritability
使人容易发怒
讲解动词短语，encourage 此处意为“助长、促使”，后接负面情绪，多用于描述环境对人的影响。
搭配encourage irritability, encourage anxiety, encourage aggression
近义foster irritability, provoke irritability
反义reduce irritability, calm
派生irritable adj. 易怒的；irritation n. 恼怒
Constant noise and overcrowding can encourage irritability among people living in densely populated cities.
持续的噪音和过度拥挤会使居住在人口密集城市中的人更容易发怒。
45conservative assumption
保守假设
讲解学术写作常用，指为稳妥起见而设定的偏低或偏谨慎的假设前提。
搭配conservative assumption, make an assumption, based on the assumption, a reasonable assumption
近义cautious assumption, modest assumption
反义optimistic assumption, bold assumption
派生assume v. 假设；assumption n. 假设
Economists often rely on a conservative assumption when predicting how quickly a new policy will take effect.
经济学家在预测新政策多快见效时，往往依赖一种保守假设。
46in-depth analysis
深入分析
讲解常与 provide/conduct/carry out 搭配，用于学术与报告文体，强调分析细致全面。
搭配in-depth analysis, conduct an analysis, a detailed analysis of
近义thorough analysis, detailed examination
反义superficial analysis, cursory look
派生analyse v. 分析；analyst n. 分析师
The report provides an in-depth analysis of how social media shapes the political views of young voters.
该报告深入分析了社交媒体如何塑造年轻选民的政治观点。
47snack bar
快餐店，小吃店
讲解可数名词短语，指售卖简便食物饮料的小店，多见于旅游、校园场景。
搭配at a snack bar, a roadside snack bar, grab a bite at a snack bar
近义fast-food outlet, café, canteen
派生snack n. 零食；snack v. 吃零食
After the lecture, we grabbed a quick sandwich at a small snack bar near the campus gate.
讲座结束后，我们在校门口一家小快餐店匆匆吃了个三明治。
48arable land
耕地
讲解不可数名词短语，指适合耕种的土地，常用于环境、农业与城市化话题。
搭配arable land, fertile land, lose arable land, convert land into farmland
近义farmland, cultivable land
反义barren land, wasteland
派生arable adj. 可耕种的
As cities expand, large areas of arable land are being lost to housing and industrial development.
随着城市扩张，大片耕地正被住房和工业开发占用。
49antitumor agent
抗癌剂
讲解可数名词，医学/科研语境常用；指抑制肿瘤的药物或物质，雅思阅读科技文中常见。
搭配antitumor activity；antitumor drug；a potent antitumor agent
近义anticancer drug；antineoplastic agent
派生antitumor (adj.) 抗肿瘤的
Scientists are testing a new antitumor agent that may slow the growth of lung cancer.
科学家正在测试一种可能减缓肺癌生长的抗癌剂。
50be contingent on
依…而定
讲解后接 on/upon，不用 to；正式书面语，雅思写作中可替代 depend on，表达条件关系。
搭配be contingent on funding；be contingent upon approval
近义depend on；hinge on；be conditional on
反义be independent of
Whether the project proceeds is contingent on the government approving additional funding.
该项目是否继续进行取决于政府是否批准额外资金。
51fade away
逐渐消失
讲解多指声音、记忆、希望等逐渐减弱直至消失；不及物，不能接宾语，注意与 fade out 区别。
搭配fade away into silence；slowly fade away
近义die away；dissolve；vanish gradually
反义intensify；grow stronger
As the music faded away, the audience sat in complete silence for a moment.
随着音乐逐渐消失，观众静坐了片刻。
52retail store
零售店
讲解商业/经济类高频名词短语；retail 作定语修饰 store，指直接向消费者销售的实体店铺。
搭配a chain of retail stores；retail store chain
近义shop；outlet；retail outlet
反义wholesale store 批发店
Small retail stores often struggle to compete with large online shopping platforms.
小型零售店往往难以与大型在线购物平台竞争。
53genetic code
遗传密码
讲解生物学术语，指DNA中碱基排列决定氨基酸序列的规则；雅思阅读科普类文章常出现。
搭配crack the genetic code；the universal genetic code
派生genetic (adj.) 遗传的；genetics (n.) 遗传学
The genetic code determines how information in DNA is translated into proteins.
遗传密码决定了DNA中的信息如何被翻译成蛋白质。
54parallax angle
视差角
讲解天文学术语，指观测者位置变化引起的天体视位置偏移角度，用于测量恒星距离。
搭配measure the parallax angle；a small parallax angle
派生parallax (n.) 视差
Astronomers measured the parallax angle to calculate the distance to the nearby star.
天文学家测量了视差角，以计算到那颗近邻恒星的距离。
55in the course of
在…过程中，在…期间
讲解表示“在…期间/过程中”，多用于正式书面语，后接名词短语，不接从句。
搭配in the course of time / in the course of events / in the course of development
近义during / in the process of / over the course of
派生course（n. 过程，进程）
In the course of the experiment, the researchers recorded several unexpected changes in temperature.
在实验过程中，研究人员记录到了几次意外的温度变化。
56tie up
系紧；捆牢
讲解本义为“系紧、捆牢”；引申义常指“占用、缠住（使人无法脱身）”。
搭配tie up a parcel / tie up loose ends / be tied up with work
近义fasten / bind / secure
反义untie / loosen
派生tied（adj. 被捆住的；忙碌的）
Please tie up the parcel securely before you send it by post.
寄包裹之前请把它捆扎牢固。
57payroll deduction
工资扣款
讲解指从员工薪水中直接扣除的款项，常见于税务、保险、养老金等语境。
搭配payroll deduction plan / automatic payroll deduction / payroll deduction for tax
近义salary deduction / wage withholding
派生payroll（n. 工资名单，薪金总额）
The company offers a payroll deduction plan so employees can save for retirement automatically.
公司提供工资扣款计划，让员工可以自动为退休储蓄。
58in comparison with
与…相比
讲解用于比较两者差异，后接比较对象；写作中常引出对比论证。
搭配in comparison with sth / by comparison / in comparison to
近义compared with / relative to / in contrast to
反义in isolation from
派生compare（v. 比较）/ comparable（adj. 可比的）
In comparison with previous years, this winter has been unusually mild.
与往年相比，今年冬天异常温和。
59phytochrome molecule
光敏色素分子
讲解植物生理学术语，指感受红光/远红光、调控开花与生长的色素蛋白分子。
搭配phytochrome molecule / phytochrome system / light-sensitive molecule
近义photoreceptor molecule / pigment molecule
派生phytochrome（n. 光敏色素）
The phytochrome molecule enables plants to detect changes in the length of daylight.
光敏色素分子使植物能够感知日照长度的变化。
60debit card
借记卡
讲解指直接从银行账户扣款的支付卡，区别于可透支的信用卡（credit card）。
搭配pay by debit card / debit card transaction / use a debit card
近义bank card / check card
反义credit card
派生debit（v./n. 记入借方，扣款）
You can pay with a debit card, but the money is taken directly from your bank account.
你可以用借记卡付款，但钱会直接从你的银行账户中扣除。