銀行英語情景口語 第182期:銀行卡業(yè)務(wù) 信用卡咨詢(2)

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歡迎光臨Lincoln銀行。我們能為您做些什么嗎?

B: Morning. I'm a new user of your credit card and I was wondering if I'm taking full advantage of it.

早上好。我是你們信用卡的新用戶，我想知道我是否充分地利用了這張卡。

A: Well, there certainly are many benefits that go along with our credit card.

嗯，我們的信用卡確實(shí)具有許多優(yōu)惠。

B: Yes, of course. It's so much easier than cash,to be honest; nowadays I hardly ever use cash. I just put it on the card and pay off the balance every month.

是的，當(dāng)然啦。老實(shí)說，它比現(xiàn)金好使多了，現(xiàn)在我甚至很少使用現(xiàn)金。我只是把錢存到這張卡里，并且每月支付收支差額。

A: You know it is not necessary to pay the balance in full every month.

您知道，您不需要每個(gè)月都全額支付收支差額吧。

B: Really?

是嗎?

A: Yes,you will see on your monthly bill and statement the amount in full but also the minimum payment.

是的，在您的月度對賬單上，您既能看到支付金額的總數(shù)也能看到最低還款額。

B: So, if for some reason I was having a bad month and spent a little too much I could just pay the minimum?

所以，假如因?yàn)槟承┰?，我在某個(gè)月境況比較糟糕，而且又花得有點(diǎn)兒過頭了的話，我可以只支付最小還款額，是吧?

A: Yes. As long as you keep making regular monthly payments, paying the minimum is just fine. Of course,your credit limit will be lowered accordingly.

是的。只要您持續(xù)地定期支付月度還款，支付最低付款額是可以的。當(dāng)然啦，您的信用額度將相應(yīng)地減少。

B: How so?

究竟是怎樣的呢?

A: For example, if your credit limit is 5,000 RMB and you owe 1,000 RMB, your available credit will be 4,000 RMB. So, your credit limit drops.

比如，如果您的信用額度是5000元，但您欠1000元，那么您將只有4000元可供使用。因此，您的信用額度下降了。

B: Oh, I see. Well,I don't plan on only paying the minimum,but it's good to know that I can if I had to. Thanks for that.

噢，我明白了。嗯，我不打算只付最低還款額，但是，能知道在萬不得已的情況下我可以這么做，也挺好啊。謝謝你。