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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。
