地道美語聽力播客704: 不良信貸（雙語）

Alisha: This is the second time I’ve been turned down for a credit card in a month. I don’t know what I’m doing wrong.

艾麗莎：這是一個月里我第二次被拒絕信貸。不知道自己哪兒做錯了。

James: Have you checked your credit report recently? Maybe you have a bad credit rating.

詹姆斯：你最近有沒有檢查你的信用記錄?也許你信用評級不好。

Alisha: I have a full-time job with a good income, which they can easily verify, and I don’t have any outstanding debt, so what could be the problem?

艾麗莎：我有份全職工作，有不錯的收入，他們能夠輕易查證，并且我沒有什么大額債務，那么有什么問題呢?

James: Have you had a credit card before?

詹姆斯：那你先前有辦過信用卡沒有?

Alisha: Yes.

艾麗莎：是的。

James: Did you always make your payments on time?

詹姆斯：那你過去總是及時補齊欠款嗎?

Alisha: Well, no.

艾麗莎：呃，沒有。

James: Then that may be your answer. Your payment history makes a big difference with the credit bureau. If you’ve missed payments or been late, that’s a big strike against you.

詹姆斯：這也許就是你問題的答案。你的支付記錄使得你在信用機構的信譽大大不同。如果你忘記支付或者還錢遲到，對你來說都是大大的不利。

Alisha: You mean if I were late a few times, I wouldn’t be able to get another credit card?

艾麗莎：你是說如果我晚還錢幾次的話，我就沒辦法取得另一張信用卡?

James: A few times? How many times?

詹姆斯：幾次?多少次?

Alisha: Well, maybe a lot of times.

艾麗莎：呃，也許很多次。

James: And why do you need another credit card if you already have one?

詹姆斯：如果你已經(jīng)有一張信用卡，為什么還需要另一張卡呢?

Alisha: Had one, past tense. The credit card company cancelled it.

艾麗莎：有過，但已經(jīng)是過去了。信用卡公司取消了。

James: Ah ha, I think we’ve just found the crux of the problem.

詹姆斯：啊哈，我想我們找到問題的癥結所在了。