实用商务英语会话 场景84:银行卡业务

We have several Peony Cards to choose from, including the Peony Credit Card, Peony Money Link Card, Peony International Card, etc.

我们有好几种牡丹卡可供选择，包括牡丹信用卡、牡丹灵通卡、牡丹国际卡等等。

What kind of card would you like?

您想要什么样的卡？

Peony Money Link Card is a debit¹ card.

牡丹灵通卡是一种借记卡。

With this card, you can transact² money deposit and withdrawal³, personal settlement, E-banking, investment and financing, and many other services.

通过这张卡，您可以办理存取款、个人结算、电子银行、投资理财以及其他多种业务。

Our bank is an authorized⁴ agent for VISA card, Mastercard and American Express card.

我行经授权能够代理维萨卡、万事达卡及美国运通卡。

Our bank gives the holder⁵ an interest-free grace period of about 50 days.

我行向持卡人提供一段50天左右的免息期。

For any amount exceeding the credit limit, well have to need authorization⁶.

超过信用额度的金额均需要经过授权。

Do you want to upgrade your credit limit?

您要提高信用额度吗？

The annual fee is 100 RMB.

年费是100元。

Helping⁷ a Customer Apply for a Bank Card

帮助客户申请银行卡

There's no annual fee for the first year. Then if you use the credit card for at least 6 times annually⁸, the annual fee will be waived⁹.

首年免年费。之后您只要每年持卡消费6次以上，就可以免收年费。

Good afternoon, sir. Can I help you?

下午好，先生！需要帮忙吗？

Yes. I want to have a Peony Card from your bank, but I don't know what kind of card is best for me.

是的。我想在你们行办一张牡丹卡，但是我不知道哪一种卡最适合我。

Well, we have several Peony Cards to choose from, including the Peony Credit Card, Peony Money Link Card, Peony International Card, etc.

嗯，我们有好几种牡丹卡可供选择，包括牡丹信用卡、牡丹灵通卡、牡丹国际卡等等。

What's a Money Link Card?

什么是灵通卡？

It's a versatile¹⁰ card that links a lot of businesses together.

它是一种具有多种业务功能的卡。

Versatile? What does that mean?

多功能？这是什么意思？

You may either make deposits and withdrawals¹¹ at any savings¹² office, or make transfers and inquiries¹³ at any ATM with this card.

使用此卡，您可以在任何储蓄所存取款，在任何一台自动柜员机上转账、查询。

Customer: Anything else?

还有其他功能吗？

With this card, you could also enjoy services like debit card purchases at all merchants, payroll¹⁴ service and payment for power and gas, etc.

有了这张卡，您可以享受在所有借记卡特约商户消费的服务，还可以享受代发工资，代交电费、煤气费等服务。

Oh, it's convenient.

哦，真是很方便。

By the way, it has a matching passbook¹⁵.

顺便告诉您，它还配有存折。

It sounds exactly like what I'm looking for.

这听起来好像就是我想要的那种卡。

1 debit   

n.借方，借项，记人借方的款项

参考例句：

• To whom shall I debit this sum?此款应记入谁的账户的借方？
• We undercharge Mr.Smith and have to send him a debit note for the extra amount.我们少收了史密斯先生的钱，只得给他寄去一张借条所要欠款。

2 transact   

v.处理；做交易；谈判

参考例句：

• I will transact my business by letter.我会写信去洽谈业务。
• I have been obliged to see him；there was business to transact.我不得不见他，有些事物要处理。

3 withdrawal   

n.取回，提款；撤退，撤军；收回，撤销

参考例句：

• The police were forced to make a tactical withdrawal.警方被迫进行战术撤退。
• They insisted upon a withdrawal of the statement and a public apology.他们坚持要收回那些话并公开道歉。

4 authorized   

a.委任的，许可的

参考例句：

• An administrative order is valid if authorized by a statute.如果一个行政命令得到一个法规的认可那么这个命令就是有效的。

5 holder   

n.持有者，占有者；(台，架等)支持物

参考例句：

• The holder of the office of chairman is reponsible for arranging meetings.担任主席职位的人负责安排会议。
• That runner is the holder of the world record for the hundred-yard dash.那位运动员是一百码赛跑世界纪录的保持者。

6 authorization   

n.授权，委任状

参考例句：

• Anglers are required to obtain prior authorization from the park keeper.垂钓者必须事先得到公园管理者的许可。
• You cannot take a day off without authorization.未经批准你不得休假。

7 helping   

n.食物的一份&adj.帮助人的，辅助的

参考例句：

• The poor children regularly pony up for a second helping of my hamburger. 那些可怜的孩子们总是要求我把我的汉堡包再给他们一份。
• By doing this, they may at times be helping to restore competition. 这样一来, 他在某些时候,有助于竞争的加强。

8 annually   

adv.一年一次，每年

参考例句：

• Many migratory birds visit this lake annually.许多候鸟每年到这个湖上作短期逗留。
• They celebrate their wedding anniversary annually.他们每年庆祝一番结婚纪念日。

9 waived   

v.宣布放弃( waive的过去式和过去分词 )；搁置；推迟；放弃（权利、要求等）

参考例句：

• He has waived all claim to the money. 他放弃了索取这笔钱的权利。 来自《简明英汉词典》
• I waived the discourse, and began to talk of my business. 我撇开了这个话题，开始讲我的事情。 来自辞典例句

10 versatile   

adj.通用的，万用的；多才多艺的，多方面的

参考例句：

• A versatile person is often good at a number of different things.多才多艺的人通常擅长许多种不同的事情。
• He had been one of the game's most versatile athletes.他是这项运动中技术最全面的运动员之一。

11 withdrawals   

n.收回，取回，撤回( withdrawal的名词复数 )；撤退，撤走；收回[取回，撤回，撤退，撤走]的实例；推出（组织），提走（存款），戒除毒瘾，对说过的话收回，孤僻

参考例句：

• He has made several withdrawals from his bank account. 他从银行账户上提了几次款。 来自《简明英汉词典》
• It is not the bank's policy to deduct interest on withdrawals. 提款需扣除利息这并非是本银行的政策。 来自辞典例句

12 savings   

n.存款，储蓄

参考例句：

• I can't afford the vacation,for it would eat up my savings.我度不起假，那样会把我的积蓄用光的。
• By this time he had used up all his savings.到这时，他的存款已全部用完。

13 inquiries   

n.调查( inquiry的名词复数 )；疑问；探究；打听

参考例句：

• He was released on bail pending further inquiries. 他获得保释，等候进一步调查。
• I have failed to reach them by postal inquiries. 我未能通过邮政查询与他们取得联系。 来自《现代汉英综合大词典》

14 payroll   

n.工资表，在职人员名单，工薪总额

参考例句：

• His yearly payroll is $1.2 million.他的年薪是120万美元。
• I can't wait to get my payroll check.我真等不及拿到我的工资单了。

15 passbook   

n.存折；顾客赊欠账簿

参考例句：

• You fill out this application form and we'll issue you a passbook.你填好这张申请表,我们会给你一本存折。
• Would you please give your withdrawal slip and your passbook?请把您的取款条和存折给我好吗？