A：I d like to apply for a credit card. Can you help me with my application? 我想申请一张信用卡。你可以帮我申请吗?
B：I d be glad to. 我很乐意帮你。
A：I m afraid that I don t have a credit history. I just came to this country. 我没有信用卡的使用历史。我才刚来这个国家。
B：Do you have an account with this bank? 你有这个银行的账号吗? A：I m afraid not. 恐怕没有。
B：In that case I highly recommend you apply for a savings and checking account also. That would help with your credit card application. 这样的话，我极力推荐你申请一个即储蓄存款和支票存款于一身的账户。这对你的信用卡申请有帮助。
A：What is the interest rate on your card? 你们信用卡的利率是多少?
B：The annual charge rate is 9.5%. 每年的收费标准时9.5%。
A：That s very expensive! 真是贵啊!
B：Not really. The credit card is a revolving account. You only pay interest on what you owe. 不完全是。这种信用卡是一个循环账户。你只需付你赚的钱的利息就行了。
A：How does the bank bill its customers for credit card charges? 银行如何把信用卡费用账单交给客户?
B：You will receive a monthly statement with each expenditure itemized. 你每个月将会收到一份结算单，上面列出了每项费用。
A：Does the card provide any other benefits? 这种卡有什么福利吗?
B：You can also get a cash advance up to 1,000 dollars on this card. 使用这种卡你可以预支高达1000美元的现金。
