A:How can I get the benefits from a personal credit card?

　　B:First of all,it saves more money to use a credit card than to use cash.So it is very helpful for families to finance.In addition,the card-issuing offices will count interests for the deposits with the credit card.

　　A:Is it convenient to use?

　　B:Of course.Any ATM provides 24-hour online self services.It is very convenient to do cash withdrawal,accounts checking,cipher amending¹ and funds allocating,etc.

　　A:Can I buy things with it?

　　B:Yes,you can.A slight sweep over the POS terminal① with your Peony Card and several punches on the keyboard will effect your payment for consumption immediately.

　　A:What should I do if I am in bad need of funds?

　　B:You are relieved on the spot by using the credit borrowing functions of the Pony² Card and obtain certain overdrafts³.

　　A:That's good.

　　B:Try a Peony Card.

　　A:个人信用卡有什么好处吗？

　　B:首先，使用信用卡比使用现金节省开支。是家庭理财的好帮手。此外，发卡机构对信用卡存款计付利息。

　　A:它使用方便吗？

　　B:当然啦。ATM机提供24小时自助服务。支取现金、查询账户、修改密码、划拨资金等业务操作便利。

　　A:我可以用它来购物吗？

　　B:可以啊。只需将牡丹卡在POS机上轻轻一划，再敲几下件，即可完成消费付款。

　　A:如果我急需资金该怎么办呢？

　　B:您可以利用牡丹卡的信用借款功能获取一定的透支便利，以解燃眉之急。

　　A:那太好了。

　　B:办一张牡丹卡试试。

　　4

　　A:What benefits do the Peony Credit Card have for personal cardholders?

　　B:You can purchase first and pay later.

　　A:Is that so?

　　B:Yes.In our city's downtown area,almost all big and middle-sized department stores,supermarkets,hotels and restaurants offer the installment⁴ payment service for Peony Card members. As a cardholder, you can make your choice according to your needs.

　　A:How could I do when there is no funds in my card?

　　B:Don't worry about it.There is minimum debit⁵ amount which may be outstanding on your Peony Card for purchase use.

　　A:Then,how much can I overdraw⁶ from my personal ordinary card?

　　B:5,000 to 20,000 yuan price range are available for you to choose.

　　A:That's enough.

　　B:Get a Peony Card as soon.

　　A:牡丹信用卡对个人有什么好处呢？

　　B:您可以先购物后付款。

　　A:是这样吗？

　　B:是的。在城区，几乎所有大中型的商场、超市，宾馆饭店都为牡丹卡成员提供分期付款服务。作为持卡人，您可以根据需要选择。

　　A:如果卡上没钱该怎么办呢？

　　B:不必担心。您卡上有最低信用额度供您购物。

　　A:那么我的这张普通卡能透支多少钱呢？

　　B:商品金额5,000元至20,000元供您选择。

　　A:这就够了。

　　B:赶紧办一张牡丹信用卡片