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.
+ k" B" ~! M/ t　　A:Is it convenient to use?
  y* q# a' Y" z0 }, d2 K! _　　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?
8 b7 F2 f7 g, D/ D5 i8 o　　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?
　　B:You are relieved on the spot by using the credit borrowing functions of the Pony Card and obtain certain overdrafts.
* X: s- v& m& f　　A:That’s good.
7 Z4 w; Y" Z' C, \2 Y; v) v　　B:Try a Peony Card.
! q  ?. m5 E( X" K4 T　　A:个人信用卡有什么好处吗？
3 E6 h0 d: f- L" c　　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？
9 h4 N' M; p! _# g: u) D　　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？
) Y4 s/ Z( q+ w3 X+ ~3 n0 h9 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。
/ @5 q& W, |6 b" X' Z& v　　A:如果我急需资金该怎么办呢？
4 G  X9 O) ^0 {/ n. }7 M4 [　　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。
3 x& g7 ]! V: p　　B:办一张牡丹卡试试。
　　4 4 A:What benefits do the Peony Credit Card have for personal cardholders?
/ m7 v0 J: ^6 i. B" f$ n+ J$ k- O　　B:You can purchase first and pay later.
　　A:Is that so?
　　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.
9 h# i5 _; E3 [& R　　A:How could I do when there is no funds in my card?
  b% `2 Y9 b/ m8 W9 _. Z　　B:Don’t worry about it.There is minimum debit amount which may be outstanding on your Peony Card for purchase use.
　　A:Then,how much can I overdraw from my personal ordinary card?
0 E0 g1 f9 x4 c: U2 d　　B:5,000 to 20,000 yuan price range are available for you to choose.
5 F  h  s0 T" S0 E( }1 L　　A:That’s enough.
& Y+ n; m; @4 i# X& W　　B:Get a Peony Card as soon.
　　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。
　　A:是这样吗？
* [% L; m% o5 ^1 S　　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。
4 Z# I. x1 R8 O: p) G$ y" g' Q$ i/ I　　A:那么我的这张普通卡能透支多少钱呢？
) z$ ?/ Y4 f9 i0 F9 i" L7 c　　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