关于信用卡咨询的英语情景口语

英语口语 A: Welcome to Lincoln Bank. What can we do for you? 欢迎光临 Lincoln 银行。我们能为您做些什么吗? B: Morning. I'm a new user of your credit card and I was wondering if I'm taking full advantage of it. 早上好。我是你们信用卡的新用户，我想知道我是否充分地利用了这张 卡。 A: Well, there certainly are many benefits that go along with our credit card. 嗯，我们的信用卡确实具有许多优惠。 B: Yes, of course. It's so much easier than cash,to be honest; nowadays I hardly ever use cash. I just put it on the card and pay off the balance every month. 是的，当然啦。老实说，它比现金好使多了，现在我甚至很少使用现金 。 我只是把钱存到这张卡里，并且每月支付收支差额。 A: You know it is not necessary to pay the balance in full every month. 您知道，您不需要每个月都全额支付收支差额吧。 B: Really? 是吗? A: Yes,you will see on your monthly bill and statement the amount in full but also the minimum payment. 是的，在您的月度对账单上，您既能看到支付金额的总数也能看到最低 还款额。 B: So, if for some reason I was having a bad month and spent a little too much I could just pay the minimum? 所以，假如因为某些原因，我在某个月境况比较糟糕，而且又花得有点 儿过头了的话，我可以只支付最小还款额，是吧? A: Yes. As long as you keep making regular monthly payments, paying the minimum is just fine. Of course,your credit limit will be lowered accordingly. 是的。只要您持续地定期支付月度还款，支付最低付款额是可以的。当 然啦，您的信用额度将相应地减少。 B: How so? 究竟是怎样的呢? A: For example, if your credit limit is 5,000 RMB and you owe 1,000 RMB, your available credit will be 4,000 RMB. So, your credit limit drops. 比如，如果您的信用額度是 5000 元，但您欠 1000 元，那么您将只有 4000 元可供使用。因此，您的信用额度下降了。 B: Oh, I see. Well,I don't plan on only paying the minimum,but it's good to know that I can if I had to. Thanks for that. 噢，我明白了。嗯，我不打算只付最低还款额，但是，能知道在万不得 已的情况下我可以这么做，也挺好啊。谢谢你。