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 debit 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 repayments.

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 overdrawn. 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。