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.
　　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.
9 p" ~5 c# v- [+ U& a. \: ?5 `9 L5 C　　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.
8 z. l* T) j0 b　　A:What should I do if I am in bad need of funds?
5 U1 s% h# `1 u7 i. C' x* [( S1 g　　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？
/ s( P7 o% \1 a- L  L1 V  @! V　　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。
: H% m6 _3 P  H8 y& m. K0 w! \　　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？
! g" r$ S( A1 d　　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?
# |+ @5 X  V; h　　B:You can purchase first and pay later.
　　A:Is that so?
; w  L3 d& ?6 I6 a5 T3 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.
　　A:How could I do when there is no funds in my card?
- t  Z7 k6 N3 Q4 b　　B:Don’t worry about it.There is minimum debit amount which may be outstanding on your Peony Card for purchase use.
5 @- k' ?+ m$ u. q* v: x　　A:Then,how much can I overdraw from my personal ordinary card?
/ ~& Z5 k1 f) `　　B:5,000 to 20,000 yuan price range are available for you to choose.
) T; \6 F1 C  t　　A:That’s enough.
( i% t' j1 v2 s8 E# [* b　　B:Get a Peony Card as soon.
; l4 `# _0 q7 e$ [* `　　A:牡丹信用卡对个人有什么好处呢？
. a( @! R! s! X3 s$ o, d9 X% o  E: X　　B:您可以先购物后付款。
  n, [" n2 ?( n　　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？
# w5 w9 N0 }4 e　　B:商品金额5,000元至20,000元供您选择。
　　A:这就够了。
0 B4 I7 |) g  B: `　　B:赶紧办一张牡丹信用卡片