我想申请一张信用卡。你可以帮我申请吗?
[00:05.34]I'd be glad to.
我很乐意帮你。
[00:06.20]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。
[00:11.38]Do you have an account with this bank?
你有这个银行的账号吗?
[00:13.16]I'm afraid not.
恐怕没有。
[00:14.40]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。
[00:22.34]What is the interest rate on your card?
你们信用卡的利率是多少?
[00:24.29]The annual charge rate is 9.5%.
每年的收费标准时9.5%。
[00:26.39]That's very expensive!
真是贵啊!
[00:29.49]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。
[00:35.48]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?
[00:39.09]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。
[00:43.48]Does the card provide any other benefits?
这种卡有什么福利吗?
[00:46.08]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。
