评估信用卡优惠
ESL Level 3 英语学习笔记｜Shopping 🛍️
Evaluating Credit Card Offers
评估信用卡优惠｜英文朗读与词汇积累
一、英文原文＋关键词音标
Before you get a new credit card, be sure to consider /kənˈsɪdər/ the following things:
在申请新信用卡之前，一定要考虑以下事项。
1. Interest Rate /ˈɪntrəst reɪt/（利率）
Check what the interest rate is and when it will change.
Sometimes credit card companies /ˈkʌmpəniz/ offer introductory /ˌɪntrəˈdʌktəri/ rates that go up after six months or a year.
查看利率是多少，以及利率什么时候会变化。有时，信用卡公司会提供初始优惠利率，但六个月或一年后利率会上升。
2. Grace Period /ˈɡreɪs ˌpɪriəd/（宽限期）
The period of time between the end of the billing cycle /ˈbɪlɪŋ ˌsaɪkəl/ and the payment due date /ˈpeɪmənt duː deɪt/ is referred to as a “Grace Period.”
Some companies charge /tʃɑːrdʒ/ you interest if you don’t pay your balance in full by the payment due date.
账单周期结束到付款截止日期之间的这段时间称为宽限期。如果你没有在截止日期前全额还款，一些公司会向你收取利息。
3. Annual Fee /ˈænjuəl fiː/（年费）
Some credit card companies charge you a yearly /ˈjɪrli/ fee to keep the credit card.
Check to see how much the annual fee is.
一些信用卡公司会收取年费。请确认年费是多少。
4. Cash Advance Fee /kæʃ ədˈvæns fiː/（预借现金手续费）
Many credit card companies allow you to take out a cash advance /kæʃ ədˈvæns/ on your card.
Cash advances can come with large fees, though, so be sure to check the amount /əˈmaʊnt/.
许多信用卡公司允许你使用信用卡预借现金。不过，预借现金的手续费可能很高，因此一定要查看具体金额。
5. Late Payment Charges /leɪt ˈpeɪmənt ˈtʃɑːrdʒɪz/（逾期付款费用）
Some credit card companies charge you a fee if you pay later than the payment due date.
Find out if you will be charged for late payments.
如果你晚于付款截止日期还款，一些信用卡公司会收取费用。请确认逾期付款是否会产生费用。
二、重点词汇
interest rate /ˈɪntrəst reɪt/ — n. 利率
grace period /ˈɡreɪs ˌpɪriəd/ — n. 宽限期
annual fee /ˈænjuəl fiː/ — n. 年费
cash advance /kæʃ ədˈvæns/ — n. 预借现金
late payment /leɪt ˈpeɪmənt/ — n. 逾期付款
billing cycle /ˈbɪlɪŋ ˌsaɪkəl/ — n. 账单周期
payment due date /ˈpeɪmənt duː deɪt/ — n. 付款截止日期
balance /ˈbæləns/ — n. 余额、欠款
consider /kənˈsɪdər/ — v. 考虑
introductory /ˌɪntrəˈdʌktəri/ — adj. 初始的
charge /tʃɑːrdʒ/ — n./v. 费用；收费
amount /əˈmaʊnt/ — n. 金额、数量
yearly /ˈjɪrli/ — adj./adv. 每年的；每年地
pay in full /peɪ ɪn fʊl/ — v. 全额支付
interest /ˈɪntrəst/ — n. 利息
三、阅读理解练习
Question 1: What is the annual fee?
A. A fee charged each year.
B. A fee charged for cash advances.
C. A fee charged for late payments.
D. The interest rate on the card.
正确答案：A — 每年收取的费用。
Question 2: What is a grace period?
A. The amount of time you have to pay your cash advance fee.
B. The amount of time you have to pay your late payment fee.
C. The amount of time you have to make a payment on your credit card.
D. The amount of time you have before an interest rate on the balance begins.
正确答案：C — 最符合文章定义的选项。
四、朗读练习方法
先朗读每个小标题和关键词。
再逐句朗读英文原文，注意意群停顿。
最后遮住中文，尝试理解全文。
五、学习小结
今天学习了信用卡的五个重要概念：
Interest Rate — 利率
Grace Period — 宽限期
Annual Fee — 年费
Cash Advance Fee — 预借现金手续费
Late Payment Charges — 逾期付款费用
学习英语，也学习生活。每天读一点，积累一点！
Tom Su｜Chino Valley Adult School ESL Level 3