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?
  N5 p" ]; T! p- A3 Y2 m　　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.
$ ?" t* S* x, P1 A# P　　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.
- g, s, G, p# I  f+ ?　　A:That’s good.
6 @( }2 @  `  Q) y' w　　B:Try a Peony Card.
　　A:个人信用卡有什么好处吗？
) V, ?$ h3 G' `0 N' G) ~' y　　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？
8 n+ e6 F" c& L& X0 Y: }　　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？
　　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。
  }; V9 Q& B7 F! v' P' E) x　　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。
　　4 4 A:What benefits do the Peony Credit Card have for personal cardholders?
　　B:You can purchase first and pay later.
　　A:Is that so?
- G- t! W: l$ I# C3 [　　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.
' i! l* V) I  Z# R8 Z# ^& H7 J　　A:How could I do when there is no funds in my card?
( `9 L  z2 |* R! A; Q5 g　　B:Don’t worry about it.There is minimum debit amount which may be outstanding on your Peony Card for purchase use.
( F% V. K2 e: F3 H　　A:Then,how much can I overdraw from my personal ordinary card?
0 _  F" V, `% ~　　B:5,000 to 20,000 yuan price range are available for you to choose.
　　A:That’s enough.
- `* {' R5 H+ }. ?+ D　　B:Get a Peony Card as soon.
- H- B& F/ u1 w8 Z# w' }　　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？
+ U6 ?; `. g2 I: d7 c8 E" R2 y) f　　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。
3 ~7 t3 k+ @3 v) \7 B$ c$ S　　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。
& V0 @; a2 A) g: k9 U- {" P9 U　　A:这就够了。
$ _' \2 A, ]: f! Z; _　　B:赶紧办一张牡丹信用卡片。