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?
　　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?
! a9 T; |+ \% A+ Q$ D　　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.
, `% S" F. l/ c& V　　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?
　　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.
　　B:Try a Peony Card.
7 K' q% Y  V$ `$ a6 Z& t- j　　A:个人信用卡有什么好处吗？
　　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。
7 T! w, H' Q, s6 ?- Z2 L　　A:它使用方便吗？
6 c; O$ H" m" n8 [3 [. m8 r　　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。
  \) l& ?, B7 G3 A9 w　　A:我可以用它来购物吗？
" y0 `# n( u. u4 J0 J: z7 ?　　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。
" y3 s2 l( M& Z　　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。
; X% a7 z/ w8 J) v　　4 4 A:What benefits do the Peony Credit Card have for personal cardholders?
) ~8 G; W: t/ h# N! s9 I　　B:You can purchase first and pay later.
& M% a2 q; c( r5 Q　　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.
　　A:How could I do when there is no funds in my card?
( W- p8 {7 g3 ?4 F; L! S7 o　　B:Don’t worry about it.There is minimum debit amount which may be outstanding on your Peony Card for purchase use.
4 n1 p) a4 f$ P　　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 Z- u& v* X8 F' \' ^4 z　　A:That’s enough.
1 Y0 B' p8 Z4 A! C- k# X9 G　　B:Get a Peony Card as soon.
　　A:牡丹信用卡对个人有什么好处呢？
7 i6 q# s+ K  h# x" q　　B:您可以先购物后付款。
　　A:是这样吗？
6 H* c7 c% E" m! E" c& h- M$ N2 Z　　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。
( X4 S' {8 T* ]& T- e+ D　　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。
　　A:那么我的这张普通卡能透支多少钱呢？
; ]! n7 B% n: ?# E, T" @　　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。