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纯正地道美语第351期(外教讲解):Having Bad Credit 信用不佳

时间:2015-04-20 06:48来源:互联网 提供网友:mapleleaf   字体: [ ]
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   Having Bad Credit 信用不佳

  Alisha: This is the second time I’ve been turned down for a credit card in a month. I don’t know what I’m doing wrong.
  这是我一个月之内第二次信用卡被拒了。我不知道自己做错了什么。
  James: Have you checked your credit report recently? Maybe you have a bad credit rating.
  你最近有没有查看信用记录?或许你的信用评级不好。
  Alisha: I have a full-time1 job with a good income, which they can easily verify, and I don’t have any outstanding debt, so what could be the problem?
  我有一份收入良好的全职工作,他们很容易证实,我也没有未偿付债务,那可能是什么问题呢?
  James: Have you had a credit card before?
  你以前有没有信用卡呢?
  Alisha: Yes.
  有。
  James: Did you always make your payments on time?
  你有没有及时支付呢?
  Alisha: Well, no.
  哦,没有。
  James: Then that may be your answer. Your payment history makes a big difference with the credit bureau. If you’ve missed payments or been late, that’s a big strike against you.
  可能就是这个问题了。你的支付历史对信用评定机构有很大影响。如果你未支付或延时支付,对你来说是一个很大的打击。
  Alisha: You mean if I were late a few times, I wouldn’t be able to get another credit card?
  你是说如果我有几次未及时支付,我不可能再得到另外一张信用卡?
  James: A few times? How many times?
  几次?多少次?
  Alisha: Well, maybe a lot of times.
  哦,或许很多次。
  James: And why do you need another credit card if you already have one?
  如果你已经有一张信用卡了,为什么还要再申请一张呢?
  Alisha: Had one, past tense. The credit card company cancelled it.
  曾经有,已经是过去了。信用卡公司取消了。
  James: Ah ha, I think we’ve just found the crux2 of the problem.
  哈哈!我想我们已经发现了问题的关键了。

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1 full-time SsBz42     
adj.满工作日的或工作周的,全时间的
参考例句:
  • A full-time job may be too much for her.全天工作她恐怕吃不消。
  • I don't know how she copes with looking after her family and doing a full-time job.既要照顾家庭又要全天工作,我不知道她是如何对付的。
2 crux 8ydxw     
adj.十字形;难事,关键,最重要点
参考例句:
  • The crux of the matter is how to comprehensively treat this trend.问题的关键是如何全面地看待这种趋势。
  • The crux of the matter is that attitudes have changed.问题的要害是人们的态度转变了。
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