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.
顾客申请一张与其账户关联的新借记卡或信用卡。这需要填写表格、提供财务信息并了解条款和条件。
对话
聆听并跟进对话
词汇
对话中的必备词汇和短语
debit card
A type of bank card linked directly to your checking account, allowing you to spend money you already have without borrowing.
一种直接链接到您的支票账户的银行卡，允许您在不借钱的情况下花费您已有的钱。
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.
由银行发行的支付卡，允许您借贷资金直至额度上限，您需在以后偿还，通常附带利息。
checking account
A bank account used for everyday transactions like deposits, withdrawals, and payments, also called a current account in some places.
一种用于日常交易的银行账户，如存款、取款和付款，在某些地方也称为活期账户。
annual fee
A yearly charge that banks may apply for using certain services like credit cards, helping cover costs for benefits provided.
银行可能为使用某些服务（如信用卡）而收取的年度费用，有助于覆盖提供的福利成本。
terms and conditions
The rules, fees, and requirements that explain how a service or product works; always read them before agreeing to anything.
解释服务或产品如何运作的规则、费用和要求；在同意任何事情之前，始终阅读它们。
approval
Official permission given after reviewing an application, like for a card; it means your request has been accepted.
审查申请后给予的官方许可，例如申请卡片；它意味着您的请求已被接受。
online banking
A service that allows you to manage your bank account, check balances, and make transactions using the internet or an app.
一种允许您通过互联网或应用管理银行账户、查看余额并进行交易的服务。
business days
Regular working days from Monday to Friday, excluding weekends and public holidays, when banks process most transactions.
周一至周五的常规工作日，不包括周末和公共假期，此时银行处理大多数交易。
关键句型
需要记住和练习的重要短语
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.
这是银行中开始请求的一种礼貌方式；'I'd like to' 缓和了请求，'What are my options?' 询问选择。在询问服务时使用。
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.
这个问题使用“or”来提供备选方案；“link”意为连接，“credit facility”指借贷选项。在服务角色中，有助于澄清客户需求。
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.
使用 'so' 解释原因；'would be great' 表达积极意见。这句话展示了如何将个人信息与选择联系起来，有助于解释偏好。
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.
使用 'Would you like to' 的礼貌提议，用于建议；'fill out' 意思是完成表格。在客户服务中常见，用于在不施压的情况下鼓励行动。
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.
这是在使用'What kind of'询问具体类型；'provide'意为提供或供应。在申请任何需要文件的事项时有用，以显示准备。
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.
使用'but'表示对比，'waived'意思是取消；清楚解释成本。适合讨论费用，帮助学习者理解条件性福利。
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.
“Once”表示顺序；“typically”意思是通常，“on the spot”意思是立即。这解释了带有时间框架的进程，有助于设定期望。
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.
一个简单的交接短语；'to get started' 意思是开始。在任何申请过程中，通过提供下一步来结束讨论很实用。