银行英语情景口语 第181期:银行卡业务信用卡咨询(1)

 A: Hello, welcome to Credit Services. How can we help you?

 

您好，欢迎光临信贷业务部。我们能如何为您效劳？

B: I'm interested in applying for a credit card with you.

我想在你们这里申请一张信用卡。

A: Are you an existing customer?

您现在是我们的客户吗？

B: Yes, I've had a Current Account with a debit¹ card with you for years. Now,I'm looking at upgrading to a credit card.

是的，我已经在你们这里办了一个带借记卡的活期存款账户，有好几年了。现在，我希望升级成信用卡。

A: May I ask why you didn't think of applying for a credit card with us sooner? Most young people jump at the chance.

请允许我问您一下，您为什么不早一点儿想到在我们这里申请一张信用卡呢？多数年轻人是绝不会放过这个机会的。

B: When I opened the account with you, I was a student, I graduated a couple of years ago and have a steady salary, so I figured now would be the best time to go ahead.

当我在你们这里开户时，我还是一个学生，我两年前毕业后，有了一个稳定的收入，所以我想现在才是申请信用卡的最佳时机。

A: That's very sensible of you. We have many fresh graduates applying for credit cards,getting them and then going on a spending spree and being unable to meet the repayments².

您很明智呀。我们见过很多刚毕业的大学生申请信用卡，他们拿到了卡，就开始疵狂消费，却又无法还款。

B: As you can see from the statements for my Current Account, I have never been overdrawn³. I'm always very careful about that.

正如你从我的活期账户对账单上所看到的那样，我从来没有透支过。对此我总是非常謹慎的。

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 repayments   

偿还，报答，偿付的钱物( repayment的名词复数 )

参考例句：

• The repayments of the loan are spread over 10 years. 贷款可在十年内分期偿还。
• The repayments of the loan are spread over 25 years. 这笔贷款分摊二十五年偿还。

3 overdrawn   

透支( overdraw的过去分词 )； (overdraw的过去分词)

参考例句：

• The characters in this novel are rather overdrawn. 这本小说中的人物描写得有些夸张。
• His account of the bank robbery is somewhat overdrawn. 他对银行抢案的叙述有些夸张。