I'd like to apply for a credit card with you. 我想申请在你们这里申请信用卡。

　　Would that be our standard card, our gold card, or our platinum card? 您要申请我们的标准卡、金卡，还是铂金卡呢？

　　Oh,I'm not sure. What's the difference? 哦，我不太确定。它们有什么区别吗？

　　Well,the standard card has a lower credit limit, that's 20,000 RMB, whereas with the platinum card you can have a credit limit of 80,000 RMB. 嗯，标准卡的信用额度较低，为20000元，而持有铂金卡的话，您可以有80000元的信用额度。

　　Why such a big difference? 为什么有这么大的差别呢？

　　It's all about credit rating and salary.  这与信用等级和薪水有关。

　　If your credit rating and your salary are high enough, we can offer you the platinum card. 如果您的信用等级和您的工资足够高的话，我们可以为您办理铂金卡。

　　My salary is pretty high and I've never had a problem with my credit rating in the past.  我的薪水很高，而且以前我的信用评级从来没有出过问题。

　　Are there any perks of the platinum card? 铂金卡是否还有什么额外的优惠吗？

　　Yes,we have contracts with various luxury shops and health clubs, where if you use the card to purchase items from them, you can get some healthy discounts. 是的，我们与各种奢侈品店和健身俱乐部签有协议，如果您在这些地方使用信用卡购物的话，您就可以获得一些很高的折扣。

　　That's great;my health club membership is about to expire. 太好了，我的健身俱乐部会员资格下个月就该续约了。