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?
　　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.
  k3 ~- _8 z9 R0 ]* A/ C# r$ r* n# w& c　　A:Can I buy things with it?
0 ^; g. x* e: D( D+ s4 {, e　　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?
+ k0 v3 F9 H, F1 M# H3 m　　B:You are relieved on the spot by using the credit borrowing functions of the Pony Card and obtain certain overdrafts.
/ g' |8 U8 S9 x9 P: d# X$ ]　　A:That’s good.
6 K; d' Q* ~6 \% @　　B:Try a Peony Card.
　　A:个人信用卡有什么好处吗？
( }( a; b! Z$ t8 Y) b5 |8 M　　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。
$ M4 m4 c! C# i/ Q4 ]　　A:我可以用它来购物吗？
/ Q# F2 U6 }$ p  X　　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？
　　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。
　　B:办一张牡丹卡试试。
) ~( ~. m' ^  a) Y6 [　　4 4 A:What benefits do the Peony Credit Card have for personal cardholders?
) H& U7 c8 V* G6 F9 Y2 x' E　　B:You can purchase first and pay later.
0 v! o" s" y3 N9 }, v+ j) a) ~　　A:Is that so?
* f0 M% G4 \: b1 l0 X  ?　　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.
: H5 l! y  K, w5 M$ R　　A:Then,how much can I overdraw from my personal ordinary card?
/ Q# M4 j, Z* L( j) i　　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？
# w' w( R3 Z7 T! S/ C4 C　　B:您可以先购物后付款。
3 \5 v; T4 f/ _# |　　A:是这样吗？
, z* f7 \% k' p5 P　　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。
2 s. w5 ~. P; q- H# f8 a3 ?　　A:如果卡上没钱该怎么办呢？
& `* g2 Q; r  S. ^　　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？
9 Q0 u; x8 P: V　　B:商品金额5,000元至20,000元供您选择。
7 ?4 i5 ^- \  V) I　　A:这就够了。
9 G# ^0 A$ H$ b' k% z- f4 \. U　　B:赶紧办一张牡丹信用卡片