金融英语综合辅导：InquiringaboutPeonyCard询问牡丹卡(2)

会计考友

　　3 3 A:How can I get the benefits from a personal credit card?
, K: P8 C% _1 x& {% k　　B:First of all,it saves more money to use a credit card than to use cash.So it is very helpful for families to finance.In addition,the card-issuing offices will count interests for the deposits with the credit card.
1 D" ]3 M6 g. |　　A:Is it convenient to use?
　　B:Of course.Any ATM provides 24-hour online self services.It is very convenient to do cash withdrawal,accounts checking,cipher amending and funds allocating,etc.
0 [/ W2 u$ Y' n' e3 K　　A:Can I buy things with it?
8 Y8 ~% s/ t! b+ ~6 L# I　　B:Yes,you can.A slight sweep over the POS terminal① with your Peony Card and several punches on the keyboard will effect your payment for consumption immediately.
　　A:What should I do if I am in bad need of funds?
) ^5 e  W2 s1 R8 L+ M1 u　　B:You are relieved on the spot by using the credit borrowing functions of the Pony Card and obtain certain overdrafts.
8 j0 o. _* {0 h0 Z. |& u! v　　A:That’s good.
　　B:Try a Peony Card.
　　A:个人信用卡有什么好处吗？
- X- ]' X  C$ ~  g! o　　B:首先，使用信用卡比使用现金节省开支。是家庭理财的好帮手。此外，发卡机构对信用卡存款计付利息。
　　A:它使用方便吗？
　　B:当然啦。ATM机提供24小时自助服务。支取现金、查询账户、修改密 码、划拨资金等业务操作便利。
　　A:我可以用它来购物吗？
% T. L5 f8 o$ x( k$ Q  q  t　　B:可以啊。只需将牡丹卡在POS机上轻轻一划，再敲几下件，即可完成消费付款。
　　A:如果我急需资金该怎么办呢？
1 `7 g2 q) P. b  V; m2 ]　　B:您可以利用牡丹卡的信用借款功能获取一定的透支便利，以解燃眉之急。
　　A:那太好了。
/ t: ^3 g% b# x　　B:办一张牡丹卡试试。
  K3 H' B4 a! h3 {7 |　　4 4 A:What benefits do the Peony Credit Card have for personal cardholders?
* W5 T0 Z2 v# }6 ]　　B:You can purchase first and pay later.
; ~6 C* F8 v7 l　　A:Is that so?
9 z3 ~1 S% k. S( W7 r% ?( y+ p　　B:Yes.In our city’s downtown area,almost all big and middle-sized department stores,supermarkets,hotels and restaurants offer the installment payment service for Peony Card members. As a cardholder, you can make your choice according to your needs.
　　A:How could I do when there is no funds in my card?
　　B:Don’t worry about it.There is minimum debit amount which may be outstanding on your Peony Card for purchase use.
% m- A3 T- H8 R$ `) M: f4 G& b　　A:Then,how much can I overdraw from my personal ordinary card?
5 j, [( B  A* `9 t/ J　　B:5,000 to 20,000 yuan price range are available for you to choose.
　　A:That’s enough.
　　B:Get a Peony Card as soon.
　　A:牡丹信用卡对个人有什么好处呢？
0 S  _. j; l5 D! g6 X% Y　　B:您可以先购物后付款。
　　A:是这样吗？
: d! ~" i2 f- p4 u  O　　B:是的。在城区，几乎所有大中型的商场、超市，宾馆饭店都为牡丹卡成员提供分期付款服务。作为持卡人，您可以根据需要选择。
　　A:如果卡上没钱该怎么办呢？
5 q/ M7 ]3 K& m: g9 n/ a  j　　B:不必担心。您卡上有最低信用额度供您购物。
　　A:那么我的这张普通卡能透支多少钱呢？
* K8 o' g& }; `6 f$ n( M/ h　　B:商品金额5,000元至20,000元供您选择。
　　A:这就够了。
　　B:赶紧办一张牡丹信用卡片