想聊就聊-1.06.4申请信用卡

W: I'd like to apply for a credit card. Can you help me with my application?

M: I'd be glad to.

W: I'm afraid that I don't have a credit history. I just came to this country.

M: Do you have an account with this bank?

W: I'm afraid not.

M: In that case I highly recommend you apply for a savings¹ and checking account also. That would help with your credit card application.

W: What is the interest rate on your card?

M: The annual charge rate is 9.5%.

W: That's very expensive!

M: Not really. The credit card is a revolving² account. You only pay interest on what you owe.

W: How does the bank bill its customers for credit card charges?

M: You will receive a monthly statement with each expenditure³ itemized.

W: Does the card provide any other benefits?

M: You can also get a cash advance up to 1,000 dollars on this card.

1 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。

2 revolving   

adj.旋转的，轮转式的；循环的v.（使）旋转( revolve的现在分词 )；细想

参考例句：

• The theatre has a revolving stage. 剧院有一个旋转舞台。
• The company became a revolving-door workplace. 这家公司成了工作的中转站。

3 expenditure   

n.(时间、劳力、金钱等)支出；使用，消耗

参考例句：

• The entry of all expenditure is necessary.有必要把一切开支入账。
• The monthly expenditure of our family is four hundred dollars altogether.我们一家的开销每月共计四百元。