知道怎么使用信用卡，還要了解信用卡的使用費用，都有什么呢？我們來看一組對話：

Clerk: Good morning.

Customer: Good morning. I need some information about commissions charged for the Peony Card service. Can you do me this favor, please?

Clerk: My pleasure. There's no charge for the transactions, such as deposits and withdrawals, as well as transfers at local network of the issuing bank.（在發(fā)卡行及當(dāng)?shù)胤种C(jī)構(gòu)辦理存取款業(yè)務(wù)及轉(zhuǎn)帳業(yè)務(wù)是免收手續(xù)費的。）

Customer: How about the charges for the service available in other cities?（那么在外地使用又是怎么收費的呢？）

Clerk: The service charge is 0.1% of the cash amount to be deposited, but 1% of the amount to be withdrawn. At least RMB 1 will be charged for one time.（在異地存入現(xiàn)金按0.1％收取手續(xù)費， 取現(xiàn)則按1％收取。每筆最低收取人民幣1元。）

Customer: Is there any other fee?

Clerk: Yes, there's an annual commission required by the issuing bank（發(fā)卡行規(guī)定每年還必須交付年費。）

Customer: How much is it?

Clerk: RMB 80 is charged for annual commission of a Golden Card5, RMB 20 for the ordinary card6. RMB 10 will be charged for a card renewal due to loss or damage.（因卡遺失或損壞等原因，申請補(bǔ)辦新卡時須交付工本費10元人民幣。）

Customer: Oh, I see. Thanks a lot.

Clerk: That's all right. Good bye!

Notes:
1. transaction譯為"交易"，是一種正式用法
2. local network 譯為"當(dāng)?shù)鼐W(wǎng)點"
3. annual commission 譯為"年費"
4. Golden Card 金卡
5. ordinary card 普通卡

以上是關(guān)于信用卡的英語表達(dá)，我們從中會發(fā)現(xiàn)很多措辭都是金融界所特有的，看似簡單的表達(dá)，卻不能隨意地套用日常會話的表達(dá)，否則還真是有可能產(chǎn)生誤解，甚至帶來一些不必要的麻煩，所以做個有心人吧，隨時隨地都能學(xué)到不少有用的東西呢!

(部分對話選自《銀行臨柜英語口語》通訊員王源供稿 英語點津 Annabel 編輯)