Alisha: This is the second time I’ve been turned down for a credit card in a month. I don’t know what I’m doing wrong.

艾丽莎：这是一个月里我第二次被拒绝信贷。不知道自己哪儿做错了。

James: Have you checked your credit report recently? Maybe you have a bad credit rating.

詹姆斯：你最近有没有检查你的信用记录?也许你信用评级不好。

Alisha: I have a full-time job with a good income, which they can easily verify, and I don’t have any outstanding debt, so what could be the problem?

艾丽莎：我有份全职工作，有不错的收入，他们能够轻易查证，并且我没有什么大额债务，那么有什么问题呢?

James: Have you had a credit card before?

詹姆斯：那你先前有办过信用卡没有?

Alisha: Yes.

艾丽莎：是的。

James: Did you always make your payments on time?

詹姆斯：那你过去总是及时补齐欠款吗?

Alisha: Well, no.

艾丽莎：呃，没有。

James: Then that may be your answer. Your payment history makes a big difference with the credit bureau. If you’ve missed payments or been late, that’s a big strike against you.

詹姆斯：这也许就是你问题的答案。你的支付记录使得你在信用机构的信誉大大不同。如果你忘记支付或者还钱迟到，对你来说都是大大的不利。

Alisha: You mean if I were late a few times, I wouldn’t be able to get another credit card?

艾丽莎：你是说如果我晚还钱几次的话，我就没办法取得另一张信用卡?

James: A few times? How many times?

詹姆斯：几次?多少次?

Alisha: Well, maybe a lot of times.

艾丽莎：呃，也许很多次。

James: And why do you need another credit card if you already have one?

詹姆斯：如果你已经有一张信用卡，为什么还需要另一张卡呢?

Alisha: Had one, past tense. The credit card company cancelled it.

艾丽莎：有过，但已经是过去了。信用卡公司取消了。

James: Ah ha, I think we’ve just found the crux of the problem.

詹姆斯：啊哈，我想我们找到问题的症结所在了。

Alisha: This is the second time I’ve been turned down for a credit card in a month. I don’t know what I’m doing wrong.

James: Have you checked your credit report recently? Maybe you have a bad credit rating.

Alisha: I have a full-time job with a good income, which they can easily verify, and I don’t have any outstanding debt, so what could be the problem?

James: Have you had a credit card before?

Alisha: Yes.

James: Did you always make your payments on time?

Alisha: Well, no.

James: Then that may be your answer. Your payment history makes a big difference with the credit bureau. If you’ve missed payments or been late, that’s a big strike against you.

Alisha: You mean if I were late a few times, I wouldn’t be able to get another credit card?

James: A few times? How many times?

Alisha: Well, maybe a lot of times.

James: And why do you need another credit card if you already have one?

Alisha: Had one, past tense. The credit card company cancelled it.

James: Ah ha, I think we’ve just found the crux of the problem.