金融英语综合辅导：InquiringaboutPeonyCard（2）

会计考友

　　 3 A:How can I get the benefits from a personal credit card?
4 C# C# r4 F2 g* o　　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.
　　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.
　　A:Can I buy things with it?
　　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?
0 b* L. `5 k/ ~8 N　　B:You are relieved on the spot by using the credit borrowing functions of the Pony Card and obtain certain overdrafts.
　　A:That’s good.
% t- s' }! B& z' V9 g, e' [　　B:Try a Peony Card.
　　A:个人信用卡有什么好处吗？
! N+ }: H0 b- E6 W5 B! Q　　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？
* l- N& H# n# z1 T; o! N　　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。
) C+ r) }" \/ m　　A:我可以用它来购物吗？
　　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。
3 a) L+ l; d6 A  h. [　　A:如果我急需资金该怎么办呢？
　　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。
' p" u7 `- ^, _$ A" c( o　　A:那太好了。
　　B:办一张牡丹卡试试。
　　4 4 A:What benefits do the Peony Credit Card have for personal cardholders?
! J% [3 Z) |& K" x6 U8 v　　B:You can purchase first and pay later.
8 k# c  n6 @+ R  b( u. U　　A:Is that so?
- k9 z9 U# q5 L. y　　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.
  d( }+ U$ }7 Q　　A:How could I do when there is no funds in my card?
4 R* P+ a' c: s% j　　B:Don’t worry about it.There is minimum debit amount which may be outstanding on your Peony Card for purchase use.
( h/ ]6 d$ q1 Q4 c　　A:Then,how much can I overdraw from my personal ordinary card?
　　B:5,000 to 20,000 yuan price range are available for you to choose.
  A6 A3 g$ J; `　　A:That’s enough.
* j1 \& d7 L& C. `+ p　　B:Get a Peony Card as soon.
3 W1 f! F0 u: z+ {- Z6 [  H( k　　A:牡丹信用卡对个人有什么好处呢？
　　B:您可以先购物后付款。
* z* e2 a' K' Z/ b4 M　　A:是这样吗？
　　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？
　　B:不必担心。您卡上有最低信用额度供您购物。
; I2 u; h1 V8 ]8 l　　A:那么我的这张普通卡能透支多少钱呢？
　　B:商品金额5,000元至20,000元供您选择。
8 u  v$ H& p$ F* F3 x) `; x　　A:这就够了。
　　B:赶紧办一张牡丹信用卡片。