信用卡How will you be paying today? 你如何付款？
Credit cards allow consumers to “buy now, pay later.” But that convenience can sometimes cause people to spend beyond their means. Sean, a university student, is asking his classmate Dave for advice about getting one.
Conversation A
Sean: I’ve been thinking about getting a credit card.
Dave: What do you plan to use it for?
Sean: Well, tuition for next semester is due in a couple of weeks.
Dave: Wow … that’s a lot to charge! Will you be able to pay off the balance at the end of the month?
Sean: Do I have to? If I use a credit card, I can just make the minimum payment each month until I pay it off.
Dave: You can, but the problem with that is you’ll get charged a sky-high interest rate. Why don’t you just apply for a student loan?
Sean: I could do that but I also want to use a credit card when I goes to Hawaii with my family on vacation. It's safer to carry a credit card on vacation than to carry a lot of cash.
Dave: That's true.
Sean: Don't forget about reward points. Some cards allow you to earn points that can eventually be redeemed for a free flight.
Dave: Just keep in mind that it's easy to spend more than you really can afford with the credit card.. I really feel I should caution you about overspending . I started the credit card in my freshman year.
Sean: For what?
Dave: Mostly for living expenses.
Sean: I heard that credit card can help you keep tract of staff like that . You see every thing on your bill.
Dave: That's may be so, but things got out of control really quickly. I spent too much even can't make minimum payment. So I got the another credit card to pay the bill on the first one, and another one after that. Before I knew it, I was in major credit card debt.
Sean: So what happen?
Dave: I have to get a part time job to pay off the debt. Not only that, now my credit is ruined.
Sean: That's terrible. But if I pay you the full balance every month, I can avoid all those problems, right?
Dave: Right, but that's take a lot of discipline. I suggest you to get a student loan for tuition and save money for while you plan to spend on Hawaii.
Sean: It sounds credit card wasn't the "magic" as I thought.
Grammar:
Before I knew it, I was in major credit card debt.
before I knew it-very soon or in no time. (before I knew -very useful phrase when describe "something happen very very fast, so quickly that you can't keep track or notice)
very soon, I was in major credit card debt.
Sylvia helped me with the project, and before I knew it, the report was finished.
The two of you had so much fun chatting that, before you knew it, you've arrived at your destination.
Vocabulary
means-一个人的财力，收入。
David has four kids, and they've all been living beyond their means for a long time.
live beyond your means-入不敷出。
live within one's means-收支可以平衡。
balance-The balance of my checking account is $350.
After we paid all the bills, our bank balance wasn't very large.
redeemed- 对换，赎回。re-回来的意思
Brenda redeemed her mileage and flew to Japan fro vacation.
This coupon can be redeemed in major supermarkets.
caution- 警告，警示。对什么的警示用"against"
The sing cautions drivers to slow down while passing through this steep and narrow road.
* The columnist cautions his readers against buying any shares before getting objective advice. 客观的建议
keep track- 掌握纪录. track-行踪，足迹。
As an accountant, Eric needs to keep track of changes in the stock market.
*As an accountant, Eric needs to keep track of changes in the stock markets.
lose track of something-失去对某事的掌控
*I lost track of time and came to work late today.
discipline-纪律，自我训练 It takes years of discipline to be an outstanding cellist.大提琴手。
*The school is famous for their discipline and excellent academic performance.
Chat Room
charge-收费，free of charge-免费
the total charge-总共多少费用
Will that be cash or charge? 付现或刷卡。charge-means charge card.
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over-too much of something 过渡，过分
overate- eat too much 吃太多
overspending- spend too much
overcharge- charge too much 索取过多的钱。
oversleep- sleep too much, late for work/school. 睡的太多,通常是指睡过头/起晚了所以迟到了。
over-is a preffix word, but not add to all the verbs. over exercise- 运动过量not overexercise.
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