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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。
