Making a Payment Arrangement
The customer calls to discuss options for making a payment or setting up a payment plan due to financial difficulties.
客户因财务困难致电讨论还款选项或设置还款计划。
对话
聆听并跟进对话
词汇
对话中的必备词汇和短语
financial difficulties
This phrase means problems with money, like not having enough to pay bills. Use it when explaining money troubles to a bank or service provider.
这个短语意思是金钱问题，比如没有足够的钱支付账单。在向银行或服务提供商解释金钱麻烦时使用它。
payment arrangement
This refers to a plan or agreement for paying back money over time. It's useful in conversations about debts or bills when you need flexibility.
这指的是分期偿还款项的计划或协议。在讨论债务或账单时，如果需要灵活性，这很有用。
account number
A unique set of numbers that identifies your bank or credit card account. Always provide it carefully when confirming identity over the phone.
一组独特的数字，用于识别您的银行或信用卡账户。在电话确认身份时，请始终小心提供。
deferring
This means postponing or delaying a payment to a later time. It's common in financial talks to avoid immediate payment.
这意味着将付款推迟或延后到以后时间。在金融讨论中常见，以避免即时付款。
reduced payment plan
A schedule where you pay less than the full amount for a short period. Use this term when asking for help with high bills due to temporary issues.
一个短期内支付少于全额的付款时间表。在因临时问题请求高额账单帮助时使用此术语。
accrue
To build up or increase over time, like interest on a loan. In finance, it means extra costs that add to your debt gradually.
随着时间推移积累或增加，就像贷款利息一样。在金融中，它意味着逐渐增加到你的债务中的额外成本。
outstanding balance
The total amount of money you still owe on your account. It's a key term in billing discussions to refer to unpaid debt.
您账户中仍欠的欠款总额。这是计费讨论中指代未付债务的关键术语。
credit score
A number that shows how good you are at managing money and paying debts. Protecting it is important to get loans or credit in the future.
一个数字，用于显示您在管理资金和偿还债务方面的能力。保护它是未来获得贷款或信用的关键。
关键句型
需要记住和练习的重要短语
I'm facing some unexpected financial difficulties.
This sentence politely explains money problems. It's useful for starting a conversation about needing help with payments. Note the use of 'facing' to show current challenges, and 'unexpected' adds a sense of surprise.
这个句子礼貌地解释了金钱问题。它有助于开始关于需要支付帮助的对话。请注意使用‘facing’来显示当前挑战，以及‘unexpected’添加了惊讶的感觉。
I was hoping to discuss some options for a payment arrangement.
This expresses a desire to talk about solutions. 'I was hoping' is a polite way to make a request. Use it in service calls to sound courteous and open to advice.
这表达了想要谈论解决方案的愿望。'I was hoping' 是一种礼貌的请求方式。在服务电话中使用它，能听起来礼貌且乐于听取建议。
To confirm, could you please provide your account number?
This is a verification question in customer service. 'To confirm' explains the purpose, and 'could you please' makes it polite. Practice this pattern for security checks in phone calls.
这是客户服务中的验证问题。'To confirm'解释了目的，'could you please'使它礼貌。练习这个模式用于电话中的安全检查。
We offer a few different options for temporary financial hardship.
This informs someone of available choices. 'Temporary financial hardship' means short-term money issues. It's helpful for service reps to reassure customers; learners can use it to ask for similar options.
这会告知某人可用的选择。“临时经济困难”意味着短期资金问题。这有助于服务代表安抚客户；学习者可以使用它来询问类似选项。
Interest will continue to accrue on your outstanding balance.
This explains ongoing costs. 'Will continue to' shows future action, and it's a key financial warning. Use sentences like this to understand loan terms and ask questions about fees.
这解释了持续费用。'Will continue to' 显示未来的行动，是一个关键的金融警告。使用这样的句子来理解贷款条款并询问费用。
Would you like me to walk you through the specifics for your account?
This offers detailed help. 'Walk you through' is an idiom meaning to explain step by step. It's practical for offering or requesting guidance in complex topics like finances.
这提供详细的帮助。「Walk you through」是一个习语，意思是逐步解释。它在像财务这样的复杂主题中提供或请求指导时很实用。