銀行業(yè)務(wù)之 申請(qǐng)信用卡　Applying for a Credit Card

銀行業(yè)務(wù)之 申請(qǐng)信用卡　Applying for a Credit Card

信用卡由銀行、信用卡公司或零售商（retailer）等發(fā)行，是一種有特定條件和時(shí)間限制、收取一定利息費(fèi)用（specific limit, time period and interest rate）、可提供信貸消費(fèi)的服務(wù)卡。有很多種不同的信用卡可供選擇。個(gè)人可以通過(guò)在線申請(qǐng)，或者遞交表格當(dāng)面申請(qǐng)，也可以通過(guò)電話申請(qǐng)。

研究

通過(guò)報(bào)紙、財(cái)經(jīng)雜志或者網(wǎng)絡(luò)來(lái)查詢各種信用卡。需要了解的信息包括：費(fèi)率（rates）、固定或浮動(dòng)利率（the fixed or fluctuating interest rates）、年利率（APR）、信貸限額（credit limits）、免利率的天數(shù)（interest-free days）、罰金（penalties）、償還寬限期（grace periods）、預(yù)支現(xiàn)金政策（schemes for cash advances）、余額轉(zhuǎn)移（balance transfers），以及相關(guān)的優(yōu)惠。選擇一個(gè)最符合你的要求的（suit your requirements）。

⊙What's the APR on this card?這張卡的年利率是多少？

⊙You'll have a credit limit of$10，000.

你將擁有的消費(fèi)限額是一萬(wàn)美元。

⊙As a special introductory offer, this card offers no-interest for 90 days.這張卡作為初次使用有特別優(yōu)惠，在90天內(nèi)不收利息。

⊙Can I use this card to get a cash advance?我能否用這張卡來(lái)預(yù)支現(xiàn)金呢？

先決條件

了解申請(qǐng)所需滿足的條件，包括駕照號(hào)碼、社會(huì)保障號(hào)（social security number）、出生日期、地址證明認(rèn)證（proof of address）。一般情況下不要求在某特定銀行有賬戶或相應(yīng)數(shù)額的存款（maintain a minimum bank balance）。

⊙The credit card company requires you to submit your driver's license number and date of birth.

信用卡公司要求你提供你的駕照號(hào)碼和出生日期。

⊙To prevent identity theft, you will be asked to confirm many personal details.為了避免個(gè)人身份信息被盜，你將被要求確認(rèn)許多的個(gè)人資料。

⊙It doesn't matter what bank you use, you can still apply.不管你用的是哪個(gè)銀行，你都可以申請(qǐng)。

申請(qǐng)

通過(guò)信件：首先確保信用卡公司是否接受信件申請(qǐng)，大部分情況下個(gè)人身份的資料復(fù)印件不被接受。寄原件會(huì)存在遺失危險(xiǎn)，對(duì)申請(qǐng)期間的生活也帶來(lái)不便。

通過(guò)電話：信用卡申請(qǐng)的電話大多是免費(fèi)撥打的（toll free number）。你想要向其申請(qǐng)的信用卡公司的號(hào)碼可以通過(guò)黃頁(yè)、在線、報(bào)紙雜志來(lái)查詢。按照語(yǔ)音提示（automatic instructions），輸入號(hào)碼或者接通信用卡申請(qǐng)接線員就行。在線申請(qǐng)：最快、最簡(jiǎn)單也是大部分申請(qǐng)人傾向的方式（most preferred）。信用卡公司的網(wǎng)頁(yè)都有該項(xiàng)服務(wù)。申請(qǐng)時(shí)將資料準(zhǔn)備齊全，包括掃描各種資料。

⊙I would like to apply for a credit card.我想申請(qǐng)一張信用卡。

⊙Can I put this on credit?我可以用信用卡支付嗎？

⊙What's your credit rating look like?你的信貸評(píng)級(jí)怎么樣？

⊙I want a credit card with no annual fee.我想要一張沒(méi)有年費(fèi)的信用卡。

⊙Some cards offer special deals, like the accumulation of frequent flyer miles whenever you make a purchase.

有的信用卡會(huì)提供一些特別的待遇，例如你的購(gòu)物會(huì)積累飛行里程。

⊙What's the grace period on your credit card bill?

你的信用卡賬單償付寬限期多長(zhǎng)？

⊙If you don't pay your bill within a certain amount of time, you will end up paying a lot in interest.

如果在一定的期限里沒(méi)有付賬單，那你就得付很多的利息。

⊙This is the original document.

這是資料原件。

⊙By clicking this box, you indicate you agree with the terms and conditions.點(diǎn)擊方框，表明你同意條件和條款。

此外

你可以申請(qǐng)你有興趣的任何信用卡，但是信用卡公司需要一定時(shí)間來(lái)了解你的信貸評(píng)級(jí)（credit rating），并確認(rèn)你是否有可靠的財(cái)力背景（reliable financial background）。

A：I applied for three different credit cards.

B：Yeah, but you won't know if you'll be accepted by the credit card companies and be awarded the cards until they have completed a credit report on you.

A：我申請(qǐng)了3種不同的信用卡。

B：是啊，但是在公司完成對(duì)你的信用調(diào)查報(bào)告之前，你都不會(huì)知道他們是否接受你并且給你卡。

總結(jié)

信貸消費(fèi)在我們身邊日益流行。方便快捷而且安全都是信用卡的優(yōu)勢(shì)。申請(qǐng)經(jīng)濟(jì)實(shí)惠又要符合自身情況的信用卡需要多多地對(duì)比和研究。無(wú)論是用哪種方式申請(qǐng)，都要保證個(gè)人信息的準(zhǔn)確無(wú)誤。信用卡以個(gè)人信譽(yù)為擔(dān)保，所以發(fā)行單位要花一定時(shí)間來(lái)調(diào)查申請(qǐng)者的信譽(yù)。

Words　單詞表

accumulation積累，儲(chǔ)蓄

agency代理，代理商

application應(yīng)用，申請(qǐng)

certain確定的，某些的

deal交易，買賣

debt債務(wù)，欠債

indicate表明，指示

interest利息，興趣

introductory初步的，入門的

option選擇，選項(xiàng)

sign注冊(cè)，符號(hào)，記號(hào)

Phrases　短語(yǔ)表

annual fee年費(fèi)

apply for申請(qǐng)

cash advance預(yù)支現(xiàn)金，現(xiàn)金墊付

credit limit信用額度

credit rating信用評(píng)級(jí)，信貸評(píng)級(jí)

end up結(jié)束，告終

first-time第一時(shí)間，第一次

frequent flyer miles航空里程

grace period寬限期

make a purchase購(gòu)買

nope不，不是（口語(yǔ)）

not totally sure不完全確定/肯定

ought to應(yīng)該，應(yīng)當(dāng)

pay off a bill償清，付清賬單

research sth out了解清楚，搞明白

there's no telling很難說(shuō)，沒(méi)法說(shuō)，沒(méi)人知道

identity theft身份竊賊

line of credit信貸限額，信用限額

實(shí)景對(duì)話1

A：Would you mind helping me complete this application for a credit card?

B：Sure, no problem. Let's take a look at what they're asking you for……

A：Here's the paperwork.

B：Hmm……As a special introductory offer, this card offers no-interest for 90 days.

A：That's good, right?

B：Sure！It means they won't charge you interest on the debt you carry for the first three months. But hopefully, you won't be going into debt that fast！

A：Can I use this card to get a cash advance?

B：Let's see here……Yes, it seems you can, but there are some fees involved.

A：So what do I need to get started on the application?

B：Well, some simple things like your name and address. The credit card company requires you to submit your driving license number and date of birth. To prevent identity theft, you will be asked to confirm many personal details.

A：Wow, there are a lot of details they're asking for.

B：Yes. And after you complete that part, you sign here to indicate you agree with their terms and conditions.

A：So it's that easy?After I fill this out, then I'll have a credit card?

B：No, the company still has to review the information. You won't know if you'll be accepted by the credit card companies and be awarded the cards until they have completed a credit report on you.

A：你能幫我填這份信用卡申請(qǐng)表嗎？

B：當(dāng)然，沒(méi)問(wèn)題。讓我們看看他們都要求些什么。

A：資料在這里。

B：嗯……這張卡作為初次使用有特別優(yōu)惠，在90天內(nèi)不收利息。

A：那很不錯(cuò)，對(duì)嗎？

B：當(dāng)然，那意味著在最初的3個(gè)月里他們不會(huì)收取你債務(wù)的利息。但是，很有可能你不會(huì)那么快陷入債務(wù)之中。

A：我可以用這張卡預(yù)支現(xiàn)金嗎？

B：看看……是的，看上去你可以，但要收取一些費(fèi)用。

A：那我需要怎么開(kāi)始申請(qǐng)呢?

B：哦，需要一些簡(jiǎn)單的信息，包括你的姓名和地址。信用卡公司要求你提供駕照號(hào)碼和出生日期。為防止個(gè)人信息被盜，你被要求確認(rèn)很多個(gè)人資料。

A：哇，看上去他們要求一大堆的細(xì)節(jié)。

B：是的，填完這部分之后，你在這里簽字表示同意接受他們的條款和條件。

A：就那么簡(jiǎn)單？我填完這個(gè)之后就可以拿到卡了？

B：不，公司還要審核信息。在公司完成對(duì)你的信用調(diào)查報(bào)告之前，你都不會(huì)知道他們是否接受你并且給你卡。

實(shí)景對(duì)話2

A：I would like to apply for a credit card. I want a credit card with no annual fee. Do you know any good cards to apply for?

B：Oh sure, there are tons of credit cards you can apply for. Some cards offer special deals, like the accumulation of frequent flyer miles whenever you make a purchase. There are a lot of different options, so before you apply, you ought to research it out.What's your credit rating look like?

A：I'm not sure. I guess my credit is pretty good.

B：Have you had a credit card before?

A：Nope, this would be the first time for me to apply.

B：Well, then, there's no telling what your credit rating will look like. But when you do get your credit card, be sure to pay off your bill within the grace period. If you don't pay your bill within a certain amount of time, you will end up paying a lot in interest.Also, as a first-time credit card holder, you will probably have a lower line of credit.You'll probably only have a credit limit of$10，000.

A：Do you think I should just try to get it through my bank?

B：You could, but it doesn't matter what bank you use, you can still apply through other credit agencies.

A：我想申請(qǐng)一張信用卡。我想要那種沒(méi)有年費(fèi)的。你知道有什么好的卡嗎？

B：哦，當(dāng)然，有一大堆信用卡你可以申請(qǐng)。一些卡提供特價(jià)，例如你的購(gòu)物會(huì)積累飛行里程。有很多種不同的選擇，所以你在申請(qǐng)之前應(yīng)該了解清楚。你的信用評(píng)級(jí)怎么樣？

A：我不肯定，我想我的信用很好的。

B：在此之前你有過(guò)信用卡嗎？

A：沒(méi)有，這是我第一次申請(qǐng)。

B：如果是這樣，那就沒(méi)法說(shuō)你的信用評(píng)級(jí)怎么樣。但是當(dāng)你拿到信用卡時(shí)，一定要確保在寬限期內(nèi)把賬單付清。如果在一定的期限里沒(méi)有付賬單，那你就得付很多的利息。同時(shí)，作為首次申請(qǐng)的持卡人，你很可能只有較低的信貸額度。你可能只有一萬(wàn)美元的信貸限額。

A：你覺(jué)得我是否應(yīng)該從我的銀行來(lái)獲取呢？

B：可以的，用哪家銀行都行。你還可以通過(guò)別的信貸機(jī)構(gòu)來(lái)申請(qǐng)。