Credit Cards Credit cards are small,rectangular plastic cards.Banks give these cards to their customers.When the customer buys something at a store,he shows his card at the store. This authorizes the store to charge the bank for the customer's purchase.The bank collects all the charges for each customer.Then once a month the bank requires the customer to pay all the charges for that month.The bank does not force the customer to pay the full amount.It allows the customer to pay for the charges in several payments over a period of time.However,the bank requires the customer to pay interest on the unpaid part of the charges. In this way the bank allows customers to buy things they cannot afford at one time.People can use the card to buy what they want and pay for it over a period of time.They also do not need to carry a lot of money
2 Credit Cards Credit cards are small, rectangular plastic cards. Banks give these cards to their customers. When the customer buys something at a store, he shows his card at the store. This authorizes the store to charge the bank for the customer's purchase. The bank collects all the charges for each customer. Then once a month the bank requires the customer to pay all the charges for that month. The bank does not force the customer to pay the full amount. It allows the customer to pay for the charges in several payments over a period of time. However, the bank requires the customer to pay interest on the unpaid part of the charges. In this way the bank allows customers to buy things they cannot afford at one time. People can use the card to buy what they want and pay for it over a period of time. They also do not need to carry a lot of money
Credit cards are small,rectangular plastic rectangular:a.长方形的，矩形的 cards.Banks give these cards to their The secretary arranged the data in a customers.When the customer buys rectangular chart. something at a store,he shows his card at the 秘书把数据排列成一个长方形表格。 store.This authorizes the store to charge the authorize:vt授权，使有权利，批准 bank for the customer's purchase.The bank He authorized the payment of this bill. collects all the charges for each customer. 他批准了支付这笔帐。 Then once a month the bank requires the customer to pay all the charges for that I have authorized him to act for me while I'm month.The bank does not force the customer away. to pay the full amount.It allows the customer 我已经委托他在我外出期间代理我的工作。 to pay for the charges in several payments charge...for收费 over a period of time.However the bank They debated whether or not the landlady requires the customer to pay interest on the should charge him for the water. unpaid part of the charges. 他们争论那个女房东是否应该收取他的水费。 In this way the bank allows customers to How much do you charge for he souvenir? buy things they cannot afford at one time. 这个纪念品你开价多少？ People can use the card to buy what they This authorizes the store to charge the bank for want and pay for it over a period of time. customer's purchase. They also do not need to carry a lot of money. 这个授权商店向银行收取顾客购物的费用。 3
3 Credit cards are small, rectangular plastic cards. Banks give these cards to their customers. When the customer buys something at a store, he shows his card at the store. This authorizes the store to charge the bank for the customer's purchase. The bank collects all the charges for each customer. Then once a month the bank requires the customer to pay all the charges for that month. The bank does not force the customer to pay the full amount. It allows the customer to pay for the charges in several payments over a period of time. However, the bank requires the customer to pay interest on the unpaid part of the charges. In this way the bank allows customers to buy things they cannot afford at one time. People can use the card to buy what they want and pay for it over a period of time. They also do not need to carry a lot of money. rectangular: a.长方形的，矩形的 The secretary arrangedthe data in a rectangular chart. 秘书把数据排列成一个长方形表格。 authorize: vt. 授权，使有权利，批准 He authorized the payment of this bill. 他批准了支付这笔帐。 I have authorized him to act for me while I’m away. 我已经委托他在我外出期间代理我的工作。 charge…for 收费 They debated whether or not the landlady should charge him for the water. 他们争论那个女房东是否应该收取他的水费。 How much do you charge for he souvenir? 这个纪念品你开价多少？ This authorizes the store to charge the bank for customer’s purchase. 这个授权商店向银行收取顾客购物的费用
Credit cards are small,rectangular plastic pay for:支付 cards.Banks give these cards to their Are you paying in cash or by check? customers.When the customer buys 你打算用现金还是支票支付？ something at a store,he shows his card at He paid ten dollars for the book. the store.This authorizes the store to 他花了十美元买了这本书。 charge the bank for the customer's 注意pay构成的其他短语： purchase.The bank collects all the charges pay back:偿还，还钱给某人 for each customer Then once a month the I'll pay you back next week. 下个月我把钱还给你。 bank requires the customer to pay all the charges for that month.The bank does not pay off::还清（债务） It took them six years to pay off their debt. force the customer to pay the full amount. 他们花了六年的时间才还清债务。 It allows the customer to pay for the pay up:全部付清 charges in several payments over a period He was three months overdue in paying the rent,and of time.However the bank requires the the landlord told him to pay up. customer to pay inte rest on the unpaid part 他已经三个月未付房租，房东叫他全部付清 of the charges. However,the bank requires the customer to pay In this way the bank allows customers to interest on the unpaid part of the charges. buy things they cannot afford at one time. 然而，银行要求顾客为帐单的未付部分支付利息。 People can use the card to buy what they interest::利息 want and pay for it over a period of time. annual interest rate年利率 They also do not need to carry a lot of daily interest rate日利率 money. fixed interest固定利息 variable interest不固定利息 4
4 Credit cards are small, rectangular plastic cards. Banks give these cards to their customers. When the customer buys something at a store, he shows his card at the store. This authorizes the store to charge the bank for the customer's purchase. The bank collects all the charges for each customer. Then once a month the bank requires the customer to pay all the charges for that month. The bank does not force the customer to pay the full amount. It allows the customer to pay for the charges in several payments over a period of time. However, the bank requires the customer to pay interest on the unpaid part of the charges. In this way the bank allows customers to buy things they cannot afford at one time. People can use the card to buy what they want and pay for it over a period of time. They also do not need to carry a lot of money. pay for：支付 Are you paying in cashor by check? 你打算用现金还是支票支付？ He paid ten dollars for the book. 他花了十美元买了这本书。 注意pay构成的其他短语： pay back:偿还，还钱给某人 I’ll pay you back next week. 下个月我把钱还给你。 pay off: 还清（债务） It took them six years to pay off their debt. 他们花了六年的时间才还清债务。 pay up:全部付清 He wasthree months overdue in paying the rent, and the landlord told him to pay up. 他已经三个月未付房租，房东叫他全部付清 However, the bank requires the customer to pay interest on the unpaid part of the charges. 然而，银行要求顾客为帐单的未付部分支付利息。 interest:利息 annual interest rate 年利率 daily interest rate 日利率 fixed interest 固定利息 variable interest不固定利息
Credit cards are small,rectangular plastic cards.Banks give these cards to their customers.When the customer buys something at a store,he shows his card at the store.This authorizes the store to charge the bank for the customer's purchase.The bank collects all the charges for each customer. Then once a month the bank requires the customer to pay all the charges for that month.The bank does not force the customer to pay the full amount.It allows the customer to pay for the charges in several payments over a period of time.However,the bank requires the customer to pay interest on the unpaid part of the charges. In this way the bank allows customers to buy things they cannot afford at one time.People can use the card to buy what they want and pay for it over a period of time.They also do not need to carry a lot of money. 5
5 Credit cards are small, rectangular plastic cards. Banks give these cards to their customers. When the customer buys something at a store, he shows his card at the store. This authorizes the store to charge the bank for the customer's purchase. The bank collects all the charges for each customer. Then once a month the bank requires the customer to pay all the charges for that month. The bank does not force the customer to pay the full amount. It allows the customer to pay for the charges in several payments over a period of time. However, the bank requires the customer to pay interest on the unpaid part of the charges. In this way the bank allows customers to buy things they cannot afford at one time. People can use the card to buy what they want and pay for it over a period of time. They also do not need to carry a lot of money
Credit Cards Today,more and more people in the U.S.are using credit cards instead of money to buy the things they need. Almost anyone who has a steady income and good work record can apply for a credit card.There are many credit cards available:American Express,Master Charge,VISA and Diner's Club are the names of some of the most popular. 0
6 Credit Cards Today, more and more people in the U. S. are using credit cards instead of money to buy the things they need. Almost anyone who has a steady income and good work record can apply for a credit card. There are many credit cards available: American Express, Master Charge, VISA, and Diner's Club are the names of some of the most popular
Today,more and more people in the U. S.are using credit cards instead of apply for: 申请，请求 money to buy the things they need. He has applied to the American consul for a visa. Almost anyone who has a steady 他已向美国领事馆申请签证。 Income and good work record can available:a.有用的，可利用的 apply for a credit card.There are There is no available room for me to park the car many credit cards available: American Express,Master Charge, here. VISA,and Diner's Club are the names 这里没有我停车的空间。 of some of the most popular The hall is available on Saturday night. 这个礼堂星期六晚上可供使用。 7
7 Today, more and more people in the U. S. are using credit cards instead of money to buy the things they need. Almost anyone who has a steady Income and good work record can apply for a credit card. There are many credit cards available: American Express, Master Charge, VISA, and Diner's Club are the names of some of the most popular. apply for： 申请，请求 He has applied to the American consul for a visa. 他已向美国领事馆申请签证。 available: a. 有用的，可利用的 There is no available room for me to park the car here. 这里没有我停车的空间。 The hall is available on Saturday night. 这个礼堂星期六晚上可供使用
Today,more and more people in the U.S.are using credit cards instead of money to buy the things they need.Almost anyone who has a steady Income and good work record can apply for a credit card.There are many credit cards available:American Express,Master Charge,VISA,and Diner's Club are the names of some of the most popular. 8
8 Today, more and more people in the U. S. are using credit cards instead of money to buy the things they need. Almost anyone who has a steady Income and good work record can apply for a credit card. There are many credit cards available: American Express, Master Charge, VISA, and Diner's Club are the names of some of the most popular
Credit Cards If you have a credit card,you can buy a car,eat a dinner, take a trip,and even get a haircut by charging the cost to your account.In this way you can pay for purchases a month later,without any extra charge.Or you may choose to make your payments over several months and pay only part of the total amount each month.If you do this,the credit card company,or the bank who sponsors the credi card,will add a small service charge to your total bill.This is very convenient for the customer.With the credit card i your wallet or purse,you don't have to carry much cash. This saves your trips to the bank to cash checks or withdraw cash.Also,if you carry credit cards instead of a ot of cash,you don't have to worry about losing your money through carelessness or theft.The card user only has to worry about paying the final bill.This,of course, can be a problem,if you charge more than you can pay for
9 Credit Cards If you have a credit card, you can buy a car, eat a dinner, take a trip, and even get a haircut by charging the cost to your account. In this way you can pay for purchases a month later, without any extra charge. Or you may choose to make your payments over several months and pay only part of the total amount each month. If you do this, the credit card company, or the bank who sponsors the credit card, will add a small service charge to your total bill. This is very convenient for the customer. With the credit card in your wallet or purse, you don't have to carry much cash. This saves your trips to the bank to cash checks or withdraw cash. Also, if you carry credit cards instead of a lot of cash, you don't have to worry about losing your money through carelessness or theft. The card user only has to worry about paying the final bill. This, of course, can be a problem, if you charge more than you can pay for
If you have a credit card,you can buy a By charging the cost to your account. car eat a dinner,take a trip,and even get a 把费用记在你的帐户上。 haircut by charging the cost to your account.In this way you can pay for account:n.帐目，报表 purchases a month later,without any extra an account book帐本 charge.Or you may choose to make your an account payable/receivable应付/应收帐 payments over several months and pay only an open/closed account未结算/已结算帐目 part of the total amount each month.If you do this,the credit card company,or the account current活期存款帐户 bank who sponsors the credit card,will add deposit account存款户头 a small service charge to your total bill. personal account个人存款 This is very convenient for the customer. overdrawn account透支帐户 With the credit card in your wallet or purse, sponsor:vt..为.作保证人；发起，主办 you don't have to carry much cash.This 赞助 saves your trips to the bank to cash checks or withdraw cash.Also,if you carry credit The senator who sponsored the bill cards instead of a lot of cash,you don't encouraged others to vote for it. have to worry about losing your money 提出议案的参议员鼓动其他议员投赞成票。 through care lessness or theft.The card user The company sponsored several football only has to worry a bout paying the final bill. matches. This,of course,can be a problem,if you charge more than you can pay for 那家公司赞助了几次足球比赛。 10
10 If you have a credit card, you can buy a car, eat a dinner, take a trip, and even get a haircut by charging the cost to your account. In this way you can pay for purchases a month later, without any extra charge. Or you may choose to make your payments over several months and pay only part of the total amount each month. If you do this, the credit card company, or the bank who sponsors the credit card, will add a small service charge to your total bill. This is very convenient for the customer. With the credit card in your wallet or purse, you don't have to carry much cash. This saves your trips to the bank to cash checks or withdraw cash. Also, if you carry credit cards instead of a lot of cash, you don't have to worry about losing your money through carelessness or theft. The card user only has to worry about paying the final bill. This, of course, can be a problem, if you charge more than you can pay for. By charging the cost to your account. 把费用记在你的帐户上。 account: n. 帐目，报表 an account book 帐本 an account payable/ receivable 应付/应收帐 an open / closed account 未结算/已结算帐目 account current 活期存款帐户 deposit account 存款户头 personal account 个人存款 overdrawn account 透支帐户 sponsor: vt. 为…作保证人；发起，主办 赞助 The senator who sponsored the bill encouraged others to vote for it. 提出议案的参议员鼓动其他议员投赞成票。 The company sponsored several football matches. 那家公司赞助了几次足球比赛
If you have a credit card,you can buy a add..to.添加，增加 car,eat a dinner take a trip,and even get a Do you want to add your name to the list? haircut by charging the cost to your account.In this way you can pay for 要不要把你的名字添加到名单上？ purchases a month later,without any extra That adds heavily to the difficulty of my work. charge.Or you may choose to make your 这大大增加了我的工作难度。 payments over several months and pay only convenient:a.省力的，方便的 part of the total amount each month.If you do this,the credit card company,or the A bicycle is often far more convenient than a bank who sponsors the credit card,will add car in busy cities. a small service charge to your total bill. 在热闹的都市里骑自行车往往比座汽车要 This is very convenient for the customer. 便得多 With the credit card in your wallet or purse, Tom picked a convenient time to come for a you don't have to carry much cash.This visit. saves your trips to the bank to cash checks or withdraw cash.Also,if you carry credit 汤姆选择了一个合适的时间来拜访。 cards instead of a lot of cash,you don't withdraw:v.收回，撤消，撤退 have to worry about losing your money After a while,he withdrew his proposal. through care lessness or theft.The card user 过了一会儿，他撤回了他的提议。 only has to worry a bout paying the final bill. She withdrew $100 from her account. This,of course,can be a problem,if you charge more than you can pay for 她从她的银行帐户里提取了100美元。 11
11 If you have a credit card, you can buy a car, eat a dinner, take a trip, and even get a haircut by charging the cost to your account. In this way you can pay for purchases a month later, without any extra charge. Or you may choose to make your payments over several months and pay only part of the total amount each month. If you do this, the credit card company, or the bank who sponsors the credit card, will add a small service charge to your total bill. This is very convenient for the customer. With the credit card in your wallet or purse, you don't have to carry much cash. This saves your trips to the bank to cash checks or withdraw cash. Also, if you carry credit cards instead of a lot of cash, you don't have to worry about losing your money through carelessness or theft. The card user only has to worry about paying the final bill. This, of course, can be a problem, if you charge more than you can pay for. add…to…添加，增加 Do you want to add your name to the list? 要不要把你的名字添加到名单上？ That adds heavily to the difficulty of my work. 这大大增加了我的工作难度。 convenient: a.省力的，方便的 A bicycle is often far more convenient than a car in busy cities. 在热闹的都市里骑自行车往往比座汽车要 便得多 Tom picked a convenient time to come for a visit. 汤姆选择了一个合适的时间来拜访。 withdraw: v. 收回，撤消，撤退 After a while, he withdrew his proposal. 过了一会儿，他撤回了他的提议。 She withdrew $100 from her account. 她从她的银行帐户里提取了100美元