金融口語實(shí)戰(zhàn)會話 第2期:申請個人信用卡

[00:00.01]I'd like to apply for a credit card. Can you help me with my application? 我想申請一張信用卡。你可以幫我申請嗎? [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。我才剛來這個國家。 [00:11.38]Do you have an account with this bank? 你有這個銀行的賬號嗎? [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，我極力推薦你申請一個即儲蓄存款和支票存款于一身的賬戶。這對你的信用卡申請有幫助。 [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. 你每個月將會收到一份結(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。

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