金融口語實(shí)戰(zhàn)會(huì)話 第2期:申請(qǐng)個(gè)人信用卡
我想申請(qǐng)一張信用卡。你可以幫我申請(qǐng)嗎?
[00:05.34]I'd be glad to.
我很樂意幫你。
[00:06.20]I'm afraid that I don't have a credit history. I just came to this country.
我沒有信用卡的使用歷史。我才剛來這個(gè)國(guó)家。
[00:11.38]Do you have an account with this bank?
你有這個(gè)銀行的賬號(hào)嗎?
[00:13.16]I'm afraid not.
恐怕沒有。
[00:14.40]In that case I highly recommend you apply for a savings and checking account also. That would help with your credit card application.
這樣的話，我極力推薦你申請(qǐng)一個(gè)即儲(chǔ)蓄存款和支票存款于一身的賬戶。這對(duì)你的信用卡申請(qǐng)有幫助。
[00:22.34]What is the interest rate on your card?
你們信用卡的利率是多少?
[00:24.29]The annual charge rate is 9.5%.
每年的收費(fèi)標(biāo)準(zhǔn)時(shí)9.5%。
[00:26.39]That's very expensive!
真是貴啊!
[00:29.49]Not really. The credit card is a revolving account. You only pay interest on what you owe.
不完全是。這種信用卡是一個(gè)循環(huán)賬戶。你只需付你賺的錢的利息就行了。
[00:35.48]How does the bank bill its customers for credit card charges?
銀行如何把信用卡費(fèi)用賬單交給客戶?
[00:39.09]You will receive a monthly statement with each expenditure itemized.
你每個(gè)月將會(huì)收到一份結(jié)算單，上面列出了每項(xiàng)費(fèi)用。
[00:43.48]Does the card provide any other benefits?
這種卡有什么福利嗎?
[00:46.08]You can also get a cash advance up to 1,000 dollars on this card.
使用這種卡你可以預(yù)支高達(dá)1000美元的現(xiàn)金。
