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?
& |1 u  O3 g$ {; e1 O9 Q　　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.
9 T) c0 B  K: [　　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.
$ |  u" {- _4 N( R4 I　　A:Can I buy things with it?
% h' C$ ^, a! P- }) Y$ I0 G　　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.
; `6 I) {. r; `/ H. [% ~　　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.
0 F2 h: p( k& ?　　A:个人信用卡有什么好处吗？
1 S8 z' D+ j. H! `; B9 {　　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 h& a; E, y0 x9 [  J2 S1 I0 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。
1 f& Q6 v$ |, m& E5 N7 u　　A:我可以用它来购物吗？
$ o3 X  x* j$ w7 ^/ 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。
# M4 E: b2 z+ M: }0 E% H+ O　　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。
6 d- N9 X, Z! W9 I4 [　　A:那太好了。
  f% j: _: G- {) x* ^5 h" _8 @& F/ k　　B:办一张牡丹卡试试。
1 \$ b% I- y/ j1 C# K9 E2 ?2 D　　4 4 A:What benefits do the Peony Credit Card have for personal cardholders?
. K$ j0 e* F0 p4 R% B- r0 y; n# V　　B:You can purchase first and pay later.
- R* C0 |: C. C. b' w# K! g  O　　A:Is that so?
* j+ H/ B/ @2 B) @　　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 ]7 J( O9 T+ q. {- i* c7 e　　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?
0 m8 c' i% x6 i1 A, a. Z　　B:5,000 to 20,000 yuan price range are available for you to choose.
5 h! Z2 c* Z9 e6 f( y　　A:That’s enough.
* _7 ?& [8 t: R1 T) E, X　　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？
, t# r: L8 ~' v; m1 R　　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。
$ Y( S3 J! f3 p  y* _# s3 M　　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。
0 z+ K: v8 c% K　　A:这就够了。
　　B:赶紧办一张牡丹信用卡片