金融英语口语辅导：询问牡丹卡（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?　　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?　　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．　　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 。　　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。　　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。　　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　　A：What benefits do the Peony Credit Card have for personal cardholders?　　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．　　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．　　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．　　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？　　B：您可以先购物后付款。　　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。　　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。　　A：这就够了。　　B：赶紧办一张牡丹信用卡片。