A：I d like to apply for a credit card. Can you help me with my application? 我想申請一張信用卡。你可以幫我申請嗎?
B：I d be glad to. 我很樂意幫你。
A：I m afraid that I don t have a credit history. I just came to this country. 我沒有信用卡的使用歷史。我才剛來這個國家。
B：Do you have an account with this bank? 你有這個銀行的賬號嗎? A：I m afraid not. 恐怕沒有。
B：In that case I highly recommend you apply for a savings and checking account also. That would help with your credit card application. 這樣的話，我極力推薦你申請一個即儲蓄存款和支票存款于一身的賬戶。這對你的信用卡申請有幫助。
A：What is the interest rate on your card? 你們信用卡的利率是多少?
B：The annual charge rate is 9.5%. 每年的收費標準時9.5%。
A：That s very expensive! 真是貴啊!
B：Not really. The credit card is a revolving account. You only pay interest on what you owe. 不完全是。這種信用卡是一個循環賬戶。你只需付你賺的錢的利息就行了。
A：How does the bank bill its customers for credit card charges? 銀行如何把信用卡費用賬單交給客戶?
B：You will receive a monthly statement with each expenditure itemized. 你每個月將會收到一份結算單，上面列出了每項費用。
A：Does the card provide any other benefits? 這種卡有什么福利嗎?
B：You can also get a cash advance up to 1,000 dollars on this card. 使用這種卡你可以預支高達1000美元的現金。