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@ 40986 Considering a Credit Card
Considering a Credit Card HTML
A 老婆，我們還是申請一張信用卡吧。
lǎopo, wǒmen háishì shēnqǐng yī zhāng xìnyòngkǎ ba.
Dear, how about we apply for a credit card?
B 不是說好不申請了嗎？家裡收入、開支都挺穩定的，根本用不到。
bù shì shuōhǎo bù shēnqǐng le ma? jiālǐ shōurù, kāizhī dōu tǐng wěndìng de, gēnběn yòngbudào.
Didn't we already agree not to get one? Our household income and expenses are all quite stable. We have no use for it.
A 怎麼會？現在出去住酒店，都要用信用卡作擔保。再說了，我們又不會亂透支。就申請一張有什麼不好的？
zénme huì? xiànzài chūqù zhù jiǔdiàn, dōu yào yòng xìnyòngkǎ zuò dānbǎo. zàishuō le, wǒmen yòu bù huì luàn tòuzhī. jiù shēnqǐng yī zhāng yǒu shénme bù hǎo de?
How can you say that? Nowadays when you stay in a hotel, you have to use a credit card to guarantee the room. Besides, we won't go crazy with it. What's the big deal with just applying for one?
B 你現在這麼說。等有了卡，你肯定把卡刷爆，買你喜歡的電子產品。
nǐ xiànzài zhème shuō. děng yǒu le kǎ, nǐ kěndìng bǎ kǎ shuābào, mǎi nǐ xǐhuan de diànzǐ chǎnpǐn.
That's what you say now. Once you have the card, you will definitely rack it up, buying all those electronics that you like.
A 你當我這麼沒自控能力啊？而且就算欠款，利息也很低的。只有萬分之幾。那才多少錢？
nǐ dàng wǒ zhème méi zìkòng nénglì a? érqiě jiùsuàn qiànkuǎn, lìxī yě hěn dī de. zhǐyǒu wànfēn zhī jǐ. nà cái duōshǎo qián?
Do you really think I have no kind of self-control? Plus, even if we did owe money, the interest is very low. It's only a few thousandths of a percent. What does that amount to?
B 你少蒙我了。我也上網查過了，那是日息。不知不覺就累積上去了。到時候還不出錢，欠銀行一屁股債，變成個卡奴。看你怎麼辦？
nǐ shǎo mēng wǒ le. wǒ yě shàngwǎng chá guo le, nà shì rìxī . bùzhībùjué jiù lěijī shàngqu le. dào shíhou huánbuchū qián, qiàn yínháng yī pìgu zhài , biànchéng ge kǎnú. kàn nǐ zěnme bàn?
Stop trying to fool me. I've looked online before--that is daily interest. It accumulates without you even realizing it, then you suddenly owe the bank a huge whack of money, and become a slave to the card. Then what will you do?
A 被你說得好像跟高利貸借錢一樣。我不也是為我們倆著想嗎？你老說想去歐洲旅行，有了信用卡，我們今年就能去。一般銀行都有二十多天的還款期限，不收利息的。
bèi nǐ shuō de hǎoxiàng gēn gāolìdài jièqián yīyàng. wǒ bù yě shì wèi wǒmen liǎ zhuóxiǎng ma? nǐ lǎo shuō xiǎng qù Oūzhōu lǚxíng, yǒu le xìnyòngkǎ, wǒmen jīnnián jiù néng qù. yībān yínháng dōu yǒu èrshí duō tiān de huánkuǎn qīxiàn, bù shōu lìxī de.
You make it sound like it's like a loanshark. Aren't I just thinking of the two of us? You are always saying you would like to go traveling in Europe. If we get a credit card, we can go this year. Generally banks give you more than twenty days to pay back the money without charging you interest.
B 你這二十幾天能變出幾萬塊錢還銀行？我們賺多少花多少，多餘的部分再存起來。超前消費，我心裡不踏實。
nǐ zhè èrshí jǐ tiān néng biànchū jǐ wàn kuàiqián huán yínháng? wǒmen zhuàn duōshǎo huā duōshǎo, duōyú de bùfen zài cún qǐlai. chāoqián xiāofèi, wǒ xīnli bù tāshi.
These twenty-something days you are able to change into tens of thousands of dollars to pay back the bank? Let's just spend what we make, and what extra we have we can put in savings. I don't feel comfortable with over-extending ourselves.
A 啊喲，現在通貨膨脹這麼厲害，錢每天都在貶值。存錢根本就是一種浪費。你能接受貸款買房，為什麼那麼反對辦信用卡？
āyō, xiànzài tōnghuò péngzhàng zhème lìhai, qián měitiān dōu zài biǎnzhí. cúnqián gēnběn jiùshì yī zhǒng làngfèi. nǐ néng jiēshòu dàikuǎn mǎifáng, wèishénme nàme fǎnduì bàn xìnyòngkǎ?
Yikes, nowadays with inflation being so crazy, money just depreciates in value every day. Putting money into savings is a complete waste. You can accept taking out a mortgage to buy a house, why are you so opposed to getting a credit card?
B 正是因為要還房貸，所以我們更要小心花錢。反正我不同意辦卡。
zhèng shì yīnwèi yào huán fángdài, suǒyǐ wǒmen gèng yào xiǎoxīn huāqián. fǎnzhèng wǒ bù tóngyì bàn kǎ.
It's precisely because we have to pay off our mortgage that we need to be extra careful about spending money. Anyway, I don't consent to getting a card.
A 那我自己去辦。一點兒小事，就那麼大驚小怪的。真沒勁！
nà wǒ zìjǐ qù bàn. yīdiǎnr xiǎoshì, jiù nàme dàjīngxiǎoguài de. zhēn méijìn!
OK then, I will go and get one myself. You have to make such a big deal out of nothing. It's so tedious!
B 好啊，你去辦。以後有事自己負責。
hǎo a, nǐ qù bàn. yǐhòu yǒushì zìjǐ fùzé.
Fine, you go and get one. Later when problems arise it's your responsibility.
Key Vocabulary
申請 shēnqǐng
信用卡 xìnyòngkǎ
收入 shōurù
開支 kāizhī
穩定 wěndìng
擔保 dānbǎo
透支 tòuzhī
刷爆 shuābào
自控 zìkòng
欠款 qiànkuǎn
還款 huánkuǎn
貸款 dàikuǎn
利息 lìxī
日息 rìxī
蒙 mēng
累積 lěijī
不知不覺 bùzhībùjué
一屁股債 yī pìgu zhài
卡奴 kǎnú
高利貸 gāolìdài
著想 zhuóxiǎng
期限 qīxiàn
超前消費 chāoqián xiāofèi
踏實 tāshi
通貨膨脹 tōnghuò péngzhàng
貶值 biǎnzhí
大驚小怪 dàjīngxiǎoguài
Supplementary Vocabulary
信用額度 xìnyòng édù
對賬單 duìzhàngdān
主卡 zhǔkǎ
附屬卡 fùshǔkǎ
免息期 miǎnxīqī
分期付款 fēnqī fùkuǎn
提現 tíxiàn
不良記錄 bùliáng jìlù
積分 jīfēn
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