申请借记卡/信用卡
Applying for a Debit Card/Credit Card
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。
对话轮次
8
预计时长
4 分钟
场景
银行办事
完整对话内容
以下是该情境的完整英语对话，包含中英文对照和重点解析
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学习者
第 1 轮
Hi there. I'd like to apply for a new card today. What are my options?
English
您好。我今天想申请一张新卡。我有哪些选择？
中文翻译
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Bank Teller
第 2 轮
Certainly! We offer both debit cards and credit cards. Are you looking to link it to an existing account, or are you interested in a credit facility?
English
当然！我们提供借记卡和信用卡。您是想将它链接到现有账户，还是对信用额度感兴趣？
中文翻译
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学习者
第 3 轮
I already have a checking account here, so a debit card would be great for everyday use. But I'm also curious about your credit card options for travel benefits.
English
我这里已经有一个支票账户了，所以借记卡日常使用很方便。但我对你们有旅行福利的信用卡选项也很好奇。
中文翻译
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Bank Teller
第 4 轮
Excellent! For a debit card, we can link it directly to your checking account. It's quite straightforward. For credit cards, we have several options, including our 'Travel Elite' card with fantastic airline miles and lounge access. Would you like to fill out an application for both?
English
太好了！借记卡可以直接链接到您的支票账户，非常简单。至于信用卡，我们有多种选择，包括我们的“旅行精英”卡，它提供出色的航空里程和贵宾室使用权。您想申请这两种卡吗？
中文翻译
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学习者
第 5 轮
Yes, please. I'll take a debit card for sure. For the credit card, what kind of financial information do I need to provide? And what are the annual fees like?
English
好的，请。借记卡我肯定要办。信用卡的话，我需要提供什么样的财务信息？年费大概是多少？
中文翻译
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Bank Teller
第 6 轮
To apply for the credit card, we'll need your income details, employment information, and a few basic personal particulars. As for the Travel Elite card, there's an annual fee of $95, but it's often waived for the first year. I'll provide you with the full terms and conditions booklet.
English
办理信用卡，我们需要您的收入明细、工作信息以及一些基本的个人信息。至于旅行精英卡，年费是95美元，但通常第一年免除。我会给您提供完整的条款和条件手册。
中文翻译
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学习者
第 7 轮
Sounds good. Is there anything else I should know, like typical approval times or setting up online access?
English
听起来不错。还有什么我应该知道的吗，比如通常的审批时间或者如何设置在线访问？
中文翻译
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Bank Teller
第 8 轮
Once you submit the completed forms, debit cards are typically issued on the spot or mailed within 3-5 business days. Credit card applications usually take 7-10 business days for a decision. Once approved, we can help you set up online banking and mobile access right away. Here are the forms to get started.
English
一旦您提交了完整的表格，借记卡通常会当场发放或在3-5个工作日内邮寄。信用卡申请通常需要7-10个工作日才能做出决定。一旦获批，我们可以立即帮助您设置网上银行和手机访问。这些是开始需要的表格。
中文翻译
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对话学习完成
结合右侧的词汇和句型解析，加深理解和记忆
重点词汇
debit card
借记卡
A type of bank card linked directly to your checking account, allowing you to spend money you already have without borrowing.
中文解释
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
信用卡
A payment card issued by a bank that lets you borrow money up to a limit, which you must repay later, often with interest.
中文解释
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
支票账户
A bank account used for everyday transactions like deposits, withdrawals, and payments, also called a current account in some places.
中文解释
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
年费
A yearly charge that banks may apply for using certain services like credit cards, helping cover costs for benefits provided.
中文解释
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
条款和条件
The rules, fees, and requirements that explain how a service or product works; always read them before agreeing to anything.
中文解释
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
批准
Official permission given after reviewing an application, like for a card; it means your request has been accepted.
中文解释
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
在线银行
A service that allows you to manage your bank account, check balances, and make transactions using the internet or an app.
中文解释
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
工作日
Regular working days from Monday to Friday, excluding weekends and public holidays, when banks process most transactions.
中文解释
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。
重点句型
"I'd like to apply for a new card today. What are my options?"
"我今天想申请一张新卡。有什么选项？"
重点句型
语法解析
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.
中文解析
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?"
"您是想将其链接到现有账户，还是对信用额度感兴趣？"
重点句型
语法解析
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.
中文解析
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."
"我在这里已经有支票账户了，所以借记卡用于日常使用会很棒。"
重点句型
语法解析
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.
中文解析
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?"
"您想为两者都填写申请吗？"
重点句型
语法解析
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.
中文解析
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?"
"我需要提供什么样的财务信息？"
重点句型
语法解析
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.
中文解析
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."
"有95美元的年费，但第一年通常会免除。"
重点句型
语法解析
Uses 'but' for contrast and 'waived' meaning canceled; explains costs clearly. Good for discussing fees, helping learners understand conditional benefits.
中文解析
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."
"一旦您提交完成的表格，借记卡通常会当场发放或在3-5个工作日内邮寄。"
重点句型
语法解析
'Once' shows sequence; 'typically' means usually, and 'on the spot' means immediately. This explains processes with time frames, useful for setting expectations.
中文解析
“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."
"这里是开始使用的表格。"
重点句型
语法解析
A simple handover phrase; 'to get started' means to begin. Practical for ending discussions by providing next steps in any application process.
中文解析
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。