21.透支（在线收听）

Over Withdrawal 透支

　　A: Why do I have a negative balance in my checking account?

　　A： 为什么我的支票账户有负余额？

　　B: This means you used more money than you actually had in your account.

　　B： 这意味着你用的钱比你账户上的钱多。

　　A: So what do I do now?

　　A： 那我现在该怎么办？

　　B: The negative amount is how much you owe the bank.

　　B： 负数是你欠银行的钱。

　　A: Am I going to be hit with an extra fee?

　　A： 我会被额外收费吗？

　　B: The bank will charge you a $35 overdraft fee.

　　B： 银行将向你收取35美元的透支费。

　　A: How long do I have to pay the negative amount back?

　　A： 我需要多长时间才能偿还负数？

　　B: You should do it as soon as possible or else the bank can charge you more money.

　　B： 你应该尽快做，否则银行会向你收取更多的钱。

　　A: What happens if I don't pay it back?

　　A： 如果我不还钱怎么办？

　　B: The bank can close your account and send the balance to collections.

　　B： 银行可以关闭您的账户并将余额发送到收款处。

　　A: That's not good for my credit.

　　A： 这对我的信用不好。

　　B: No it's not. You'd better get it taken care of.

　　B： 不，不是。你最好把它处理好。