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去原文收听听力 
 
A:Hello, welcome to Credit Services. How can we help you?   
您好,欢迎光临信贷业务部。我们能如何为您效劳? 
B:I'm interested in applying for a credit card with you.   
我想在你们这里申请一张信用卡。 
A:Are you an existing customer?   
您现在是我们的客户吗? 
B:Yes, I've had a Current Account with a debit card with you for years. Now,I'm looking at upgrading to a credit card.   
是的,我已经在你们这里办了一个带借记卡的活期存款账户,有好几年了。现在,我希望升级成信用卡。 
A:May I ask why you didn't think of applying for a credit card with us sooner? Most young people jump at the chance.   
请允许我问您一下,您为什么不早一点儿想到在我们这里申请一张信用卡呢?多数年轻人是绝不会放过这个机会的。 
B:When I opened the account with you, I was a student, I graduated a couple of years ago and have a steady salary, so I figured now would be the best time to go ahead.   
当我在你们这里开户时,我还是一个学生,我两年前毕业后,有了一个稳定的收入,所以我想现在才是申请信用卡的最佳时机。 
A:That's very sensible of you. We have many fresh graduates applying for credit cards, getting them and then going on a spending spree and being unable to meet the repayments.   
您很明智呀。我们见过很多刚毕业的大学生申请信用卡,他们拿到了卡,就开始疯狂消费,却又无法还款。 
B:As you can see from the statements for my Current Account, I have never been overdrawn. I'm always very careful about that.   
正如你从我的活期账户对账单上所看到的那样,我从来没有透支过。对此我总是非常谨慎的。 
 
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