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> 行业英语 > 银行英语 > 银行英语情景口语 >  第182课

银行英语情景口语 第182期:银行卡业务 信用卡咨询(2)

所属教程:银行英语情景口语

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xijijun

2018年07月15日

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A: Welcome to Lincoln Bank. What can we do for you?

欢迎光临Lincoln银行。我们能为您做些什么吗?

B: Morning. I'm a new user of your credit card and I was wondering if I'm taking full advantage of it.

早上好。我是你们信用卡的新用户,我想知道我是否充分地利用了这张卡。

A: Well, there certainly are many benefits that go along with our credit card.

嗯,我们的信用卡确实具有许多优惠。

B: Yes, of course. It's so much easier than cash,to be honest; nowadays I hardly ever use cash. I just put it on the card and pay off the balance every month.

是的,当然啦。老实说,它比现金好使多了,现在我甚至很少使用现金。我只是把钱存到这张卡里,并且每月支付收支差额。

A: You know it is not necessary to pay the balance in full every month.

您知道,您不需要每个月都全额支付收支差额吧。

B: Really?

是吗?

A: Yes,you will see on your monthly bill and statement the amount in full but also the minimum payment.

是的,在您的月度对账单上,您既能看到支付金额的总数也能看到最低还款额。

B: So, if for some reason I was having a bad month and spent a little too much I could just pay the minimum?

所以,假如因为某些原因,我在某个月境况比较糟糕,而且又花得有点儿过头了的话,我可以只支付最小还款额,是吧?

A: Yes. As long as you keep making regular monthly payments, paying the minimum is just fine. Of course,your credit limit will be lowered accordingly.

是的。只要您持续地定期支付月度还款,支付最低付款额是可以的。当然啦,您的信用额度将相应地减少。

B: How so?

究竟是怎样的呢?

A: For example, if your credit limit is 5,000 RMB and you owe 1,000 RMB, your available credit will be 4,000 RMB. So, your credit limit drops.

比如,如果您的信用額度是5000元,但您欠1000元,那么您将只有4000元可供使用。因此,您的信用额度下降了。

B: Oh, I see. Well,I don't plan on only paying the minimum,but it's good to know that I can if I had to. Thanks for that.

噢,我明白了。嗯,我不打算只付最低还款额,但是,能知道在万不得已的情况下我可以这么做,也挺好啊。谢谢你。

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