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外国人最想和你聊的时事话题:信用卡消费

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2018年10月11日

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 What is credit card 什么是信用卡
     A credit card is a small plastic card issued to users as a system of payment. It allows its holder to buy goods and services based on the holder's promise to pay for these goods and services. The issuer of the card creates a revolving account and grants a line of credit to the consumer (or the user) from which the user can borrow money for payment to a merchant or as a cash advance to the user.
     Credit cards are issued by a credit card issuer, such as a bank or credit union, after an account has been approved by the credit provider, after which cardholders can use it to make purchases at merchants accepting that card. Merchants often advertise which cards they accept by displaying acceptance marks-generally derived from logos-or may communicate this orally, as in "Credit cards are fine" (implicitly meaning "major brands"), "We take (brands X, Y, and Z)", or "We don't take credit cards".
     When a purchase is made, the credit card user agrees to pay the card issuer. The cardholder indicates consent to pay by signing a receipt with a record of the card details and indicating the amount to be paid or by entering a personal identification number (PIN). Also, many merchants now accept verbal authorizations via telephone and electronic authorization using the Internet, known as a card not present transaction (CNP).
     Electronic verification systems allow merchants to verify in a few seconds that the card is valid and the credit card customer has sufficient credit to cover the purchase, allowing the verification to happen at time of purchase. The verification is performed using a credit card payment terminal or point-of-sale (POS) system with a communications link to the merchant's acquiring bank. Data from the card is obtained from a magnetic stripe or chip on the card; the latter system is called Chip and PIN in the United Kingdom and Ireland, and is implemented as an EMV card.
     For card not present transactions where the card is not shown (e.g., e-commerce, mail order, and telephone sales), merchants additionally verify that the customer is in physical possession of the card and is the authorized user by asking for additional information such as the security code printed on the back of the card, date of expiry, and billing address.
     Each month, the credit card user is sent a statement indicating the purchases undertaken with the card, any outstanding fees, and the total amount owed. After receiving the statement, the cardholder may dispute any charges that he or she thinks are incorrect (see 15 U.S.C. § 1643, which limits cardholder liability for unauthorized use of a credit card to$50, and the Fair Credit Billing Act for details of the US regulations). Otherwise, the cardholder must pay a defined minimum proportion of the bill by a due date, or may choose to pay a higher amount up to the entire amount owed. The credit issuer charges interest on the amount owed if the balance is not paid in full (typically at a much higher rate than most other forms of debt). In addition, if the credit card user fails to make at least the minimum payment by the due date, the issuer may impose a"late fee" and/or other penalties on the user. To help mitigate this, some financial institutions can arrange for automatic payments to be deducted from the user's bank accounts, thus avoiding such penalties altogether as long as the cardholder has sufficient funds.
     信用卡(credit card)于1915年起源于美国。最早发行信用卡的机构并不是银行(bank),而是一些百货商店(department store)、饮食业(catering industry)、娱乐业(entertainment industry)和汽油(gasoline)公司。美国的一些商店、饮食店为招徕顾客,推销商品,扩大营业额(business turnover),有选择地在一定范围内发给顾客一种类似金属徽章的信用筹码,后来演变成为用塑料制成的卡片,作为客户购货消费的凭证(credentials),开展了凭信用筹码在本商号或公司或汽油站购货的赊销(sell on credit)服务业务。顾客可以在这些发行筹码的商店及其分号赊购(buy on credit)商品,约期付款。这就是信用卡的雏形。







     We'd prefer a credit card, if you have one.
     如果你有信用卡,我们较喜欢信用卡。
     Charge or debit? / Credit or debit?
     用信用卡或是电子钱包?
     I see. Is a credit card OK?
     我明白了。用信用卡可以吗?
     Unless paying by credit card, please pay in cash.
     请付现金,除非使用信用卡。
     A girl did not have room in her bikini for her card.
     姑娘家穿件游泳衣,就没处装信用卡。
     Can I pay by check or credit card?
     我能用支票或信用卡吗?
     Cash dispensers are used and some are also available to credit card holders.
     自动取款机被投入使用,其中一些也能为信用卡持有者使用。
     Is it all right if I use my credit card?
     如果我使用信用卡可以吗?
     It had been Danny's idea to manufacture thousands of fake bank credit cards.
     印制数以千计的伪造银行信用卡就是丹尼的主意。
     Do you have your credit card?
     你有信用卡吗?
     Do you take credit cards?
     收信用卡吗?
     We will pay by credit card.
     我们会用信用卡付款。
     He lost his credit card.
     他丢了信用卡。
     Is credit card a form of money?
     信用卡是金钱吗?
     You take away his credit cards.
     拿走他的信用卡。
     And of course we accept credit cards.
     当然,我们接受信用卡。
     Which credit cards do you accept?
     你们接受哪些信用卡?




     Ken: Good morning. How can I help you?
     肯:早上好,需要我帮忙吗?
     Paul: I'd like to pay my hotel bill.
     保罗:我想支付我在酒店的账单。
     Ken: Your name and your room number, please?肯:请告诉我你的姓名和房间号?
     Paul: Russell Paul, room 1101.
     保罗:罗素保罗,1101室。
     Ken: Here you are. Your bill totals RMB 3500 Yuan.
     肯:这里,您的账单总计人民币3500元。
     Paul: I see.
     保罗:我知道了。
     Ken: How would you like to make the payment, sir?
     肯:您希望如何进行付款,先生?
     Paul: With credit cards. What card do you honor?
     保罗:信用卡。你这儿用什么样的卡?
     Ken: American Express, Master, International Diner's Club, Visa, International Great Wall, and so on. What kind of card have you got?
     肯:美国运通,万事达,国际大来俱乐部,维斯卡,国际长城等。你有什么样的卡?
     Paul: Visa card.
     保罗:维斯卡。
     Ken: Fine, let me take a print of your card.
     肯:好的,让我为您刷卡吧。
     Paul: Here it is.
     保罗:在这里。
     Ken: Wait a moment; please...Sorry to have kept you waiting. Please sign on the print.
     肯:请等一下......对不起让您久等了,请你看一下吧。
     Paul: OK.
     保罗:好的。
     Ken: Thank you, sir. Take your credit card and the receipt. We hope you have enjoyed your stay in the hotel.
     肯:谢谢你,这是你的卡和收据,我们希望你住得愉快。
    
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