地道美語(yǔ)聽(tīng)力播客704: 不良信貸（雙語(yǔ)）

Alisha: This is the second time I’ve been turned down for a credit card in a month. I don’t know what I’m doing wrong.

艾麗莎：這是一個(gè)月里我第二次被拒絕信貸。不知道自己哪兒做錯(cuò)了。

James: Have you checked your credit report recently? Maybe you have a bad credit rating.

詹姆斯：你最近有沒(méi)有檢查你的信用記錄?也許你信用評(píng)級(jí)不好。

Alisha: I have a full-time job with a good income, which they can easily verify, and I don’t have any outstanding debt, so what could be the problem?

艾麗莎：我有份全職工作，有不錯(cuò)的收入，他們能夠輕易查證，并且我沒(méi)有什么大額債務(wù)，那么有什么問(wèn)題呢?

James: Have you had a credit card before?

詹姆斯：那你先前有辦過(guò)信用卡沒(méi)有?

Alisha: Yes.

艾麗莎：是的。

James: Did you always make your payments on time?

詹姆斯：那你過(guò)去總是及時(shí)補(bǔ)齊欠款嗎?

Alisha: Well, no.

艾麗莎：呃，沒(méi)有。

James: Then that may be your answer. Your payment history makes a big difference with the credit bureau. If you’ve missed payments or been late, that’s a big strike against you.

詹姆斯：這也許就是你問(wèn)題的答案。你的支付記錄使得你在信用機(jī)構(gòu)的信譽(yù)大大不同。如果你忘記支付或者還錢遲到，對(duì)你來(lái)說(shuō)都是大大的不利。

Alisha: You mean if I were late a few times, I wouldn’t be able to get another credit card?

艾麗莎：你是說(shuō)如果我晚還錢幾次的話，我就沒(méi)辦法取得另一張信用卡?

James: A few times? How many times?

詹姆斯：幾次?多少次?

Alisha: Well, maybe a lot of times.

艾麗莎：呃，也許很多次。

James: And why do you need another credit card if you already have one?

詹姆斯：如果你已經(jīng)有一張信用卡，為什么還需要另一張卡呢?

Alisha: Had one, past tense. The credit card company cancelled it.

艾麗莎：有過(guò)，但已經(jīng)是過(guò)去了。信用卡公司取消了。

James: Ah ha, I think we’ve just found the crux of the problem.

詹姆斯：啊哈，我想我們找到問(wèn)題的癥結(jié)所在了。