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$ D( m, j  e5 n　　A:Is it convenient to use?
( J' I; L. G; _3 G) @. z  A" z　　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?
! E5 i8 ?/ R# K! s　　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.
. @- u  X  E" l　　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？
+ v+ h5 j' D, M# E# y# L" T/ p　　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。
; Z9 L# u* T8 f　　A:我可以用它来购物吗？
9 |2 R3 y% ^$ R& X7 p8 a　　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。
& t: `" X0 @. i　　A:如果我急需资金该怎么办呢？
+ }8 h9 U5 _: ~) K4 P　　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。
7 G, T; W6 F, m4 E　　A:那太好了。
; K& F0 Q& r6 D0 q' }　　B:办一张牡丹卡试试。
　　4 4 A:What benefits do the Peony Credit Card have for personal cardholders?
  J- _0 q& s. V8 ?% t; f0 L　　B:You can purchase first and pay later.
8 y9 D3 ]7 K8 S2 ?　　A:Is that so?
" @* K. q( @' V2 ^　　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.
, Q/ C9 Y2 G' B5 D: M　　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.
0 a  L8 ^8 G$ o: H9 ~5 |) ]' u　　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.
) i9 \3 Z6 l2 E　　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？
' ~4 Q  S5 u" u# S. B: i& X　　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。
( @, L. }1 M% d2 |　　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。
% w- H* U! R2 V: u7 m  n　　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。
' z8 B0 Y' N6 ~9 w　　B:赶紧办一张牡丹信用卡片。