英語口語話題精選(34):申請信用卡
I'd like to apply for a credit card. Can you help me with my application?
I'd be glad to.
我很樂意幫你。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。我纔剛來這個國家。
Do you have an account with this bank?
你有這個銀行的賬號嗎？I'm afraid not.
恐怕沒有。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，我極力推薦你申請一個即儲蓄存款和支票存款於一身的賬戶。這對你的信用卡申請有幫助。What is the interest rate on your card?
你們信用卡的利率是多少？The annual charge rate is 9.5%.
每年的收費標準時9.5%。That's very expensive!
真是貴啊！Not really. The credit card is a revolving account. You only pay interest on what you owe.
不完全是。這種信用卡是一個循環賬戶。你只需付你賺的錢的利息就行了。How does the bank bill its customers for credit card charges?
銀行如何把信用卡費用賬單交給客戶？You will receive a monthly statement with each expenditure itemized.
你每個月將會收到一份結算單，上面列出了每項費用。Does the card provide any other benefits?
這種卡有什麼福利嗎？You can also get a cash advance up to 1,000 dollars on this card.
使用這種卡你可以預支高達1000美元的現金。
