Applying for a Debit Card/Credit Card
A customer applies for a new debit card linked to their account or a credit card. This involves filling out forms, providing financial information, and understanding terms and conditions.
Dialogue
Listen and follow along with the conversation
Vocabulary
Essential words and phrases from the dialogue
debit card
A type of bank card linked directly to your checking account, allowing you to spend money you already have without borrowing.
credit card
A payment card issued by a bank that lets you borrow money up to a limit, which you must repay later, often with interest.
checking account
A bank account used for everyday transactions like deposits, withdrawals, and payments, also called a current account in some places.
annual fee
A yearly charge that banks may apply for using certain services like credit cards, helping cover costs for benefits provided.
terms and conditions
The rules, fees, and requirements that explain how a service or product works; always read them before agreeing to anything.
approval
Official permission given after reviewing an application, like for a card; it means your request has been accepted.
online banking
A service that allows you to manage your bank account, check balances, and make transactions using the internet or an app.
business days
Regular working days from Monday to Friday, excluding weekends and public holidays, when banks process most transactions.
Key Sentences
Important phrases to remember and practice
I'd like to apply for a new card today. What are my options?
This is a polite way to start a request in a bank; 'I'd like to' softens the request, and 'What are my options?' asks for choices. Use it when inquiring about services.
Are you looking to link it to an existing account, or are you interested in a credit facility?
This question uses 'or' to offer alternatives; 'link' means connect, and 'credit facility' refers to borrowing options. Useful for clarifying customer needs in service roles.
I already have a checking account here, so a debit card would be great for everyday use.
Uses 'so' to explain a reason; 'would be great' expresses positive opinion. This sentence shows how to connect personal info to a choice, helpful for explaining preferences.
Would you like to fill out an application for both?
A polite offer using 'Would you like to' for suggestions; 'fill out' means complete a form. Common in customer service to encourage action without pressure.
What kind of financial information do I need to provide?
This asks for specifics using 'What kind of' for types; 'provide' means give or supply. Useful when applying for anything requiring documents, to show preparation.
There's an annual fee of $95, but it's often waived for the first year.
Uses 'but' for contrast and 'waived' meaning canceled; explains costs clearly. Good for discussing fees, helping learners understand conditional benefits.
Once you submit the completed forms, debit cards are typically issued on the spot or mailed within 3-5 business days.
'Once' shows sequence; 'typically' means usually, and 'on the spot' means immediately. This explains processes with time frames, useful for setting expectations.
Here are the forms to get started.
A simple handover phrase; 'to get started' means to begin. Practical for ending discussions by providing next steps in any application process.