每个月没怎么消费，却成了月光？巨大的家庭开支感慨生活不易？物价飞涨，赶紧Hold住钱包。物价飞涨，更要让钱生钱。本节目就是用最简单的方式教会你这样快速学会理财，上班族也能荷包满意！

信用卡英语

信用卡：credit card

A credit card allows its holder to buy goods and services based on the holder's promise to pay for these goods and services.
信用卡主要的作用是透支消费。

透支： overdraft

An overdraft occurs when money is withdrawn from a bank account and the available balance goes below zero. In this situation the account is said to be "overdrawn". If there is a prior agreement with the account provider for an overdraft, and the amount overdrawn is within the authorized overdraft limit, then interest is normally charged at the agreed rate.

Hi, Jenny. You look like you are in a hurry to somewhere. Where are you going?
嗨，珍妮。你看起来好像赶着去哪里一样，你要去哪里？

I am going to the bank. I need to cash some checks.
我要去银行。我要将支票兑换成现金。

That's great. We can go to the bank together.
那太好了！我们可以一起去银行。

Why do you go there?
为什么你要去那里？

I will go to Japan on business for 5 days next Tuesday. I want to exchange some Japanese yen.
我下星期二会去日本出差5天。我想换一些日元。

I see. Will you bring a lot of money with you?
我知道。你会带很多钱去吗？

Not really. I plan to bring some cash and withdraw money at the ATM in Japan.
不会。我计划带点现金，到日本再用提款机领钱。

Do you have the bank card in Japan?
你在日本有银行卡吗？

Nope. I can use the credit card to withdraw the money in foreign countries.
没有，但是我可以用信用卡在国外提领现金。

That sounds really convenient. Do you pay extra money to enjoy this service?
听起来真的很方便。享受这项服务需要额外付费吗？

No. It is free of charge.
不用。这是免费的。

Great! I will apply for the credit card when I go to the bank later.
太好了！我下次去银行时也要申请一张。

I think we are running out of time. The bank is going to close soon.
我想我们快没时间了。银行快要关了。 

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