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理财与生活：别被信用卡摆布!(2) - ALL+互动英语
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[00:00.0]理财与生活：别被信用卡摆布!(2) - ALL+互动英语
[00:00.45]以下歌词翻译由微信翻译提供
[00:00.45]词：希伯崙股份有限公司
[00:00.91]
[00:00.91]Aside from offering convenience a credit card
[00:03.1]除了提供便利一张信用卡
[00:03.1]Can help you raise your credit score
[00:05.25]可以帮你提高信用分数
[00:05.25]Should you ever decide to take out a bank loan
[00:07.1]你是否决定向银行贷款
[00:07.1]To buy a house start a business or make other large investments
[00:10.55]买房创业或者进行其他大投资
[00:10.55]A good credit score will increase your chance
[00:12.7]良好的信用评分会增加你的机会
[00:12.7]Of getting approved for that loan
[00:15.17]拿到贷款
[00:15.17]Your credit score is essentially a prediction of your likelihood to pay back debt
[00:18.93]你的信用评分本质上是对你偿还债务可能性的预测
[00:18.93]And it's partly determined by reports of your monthly credit card activity
[00:23.4]这在一定程度上取决于你每月的信用卡活动报告
[00:23.4]The reports indicate whether you've made your payments on time
[00:26.84]报告显示你是否按时付款
[00:26.84]And how much of your credit limit you've used
[00:29.82]你用了多少信用额度
[00:29.82]To protect your credit rating
[00:31.33]保护你的信用评级
[00:31.33]Avoid late payments and ideally keep your credit card balance
[00:34.84]避免逾期还款，理想情况下保持你的信用卡余额
[00:34.84]Under 30 percent of your available credit
[00:37.93]低于你可用信用额度的百分之三十
[00:37.93]Young people typically have no credit history
[00:40.74]年轻人通常没有信用记录
[00:40.74]So they may have trouble getting approved for their first credit cards
[00:44.79]所以他们第一次申请信用卡可能会遇到麻烦
[00:44.79]You can improve your chances
[00:46.25]你可以增加机会
[00:46.25]By establishing a good working relationship with a bank first
[00:50.37]首先与银行建立良好的工作关系
[00:50.37]Open a savings account and maintain a consistent balance
[00:54.12]开设一个储蓄账户并保持稳定的余额
[00:54.12]If you live in a country whose banks offer secured credit cards
[00:57.79]如果你生活在一个银行提供担保信用卡的国家
[00:57.79]You could apply for one
[00:59.19]你可以申请一个
[00:59.19]And use the amount in your savings account as your credit limit
[01:02.75]用你储蓄账户里的钱作为你的信用额度
[01:02.75]Armed with your new card and knowledge of how it works
[01:05.99]用你的新卡武装自己知道怎么用
[01:05.99]You can continue on your path to building good credit
[01:10.099]你可以继续你的道路上建立良好的信用
[00:00.45]以下歌词翻译由微信翻译提供
[00:00.45]词：希伯崙股份有限公司
[00:00.91]
[00:00.91]Aside from offering convenience a credit card
[00:03.1]除了提供便利一张信用卡
[00:03.1]Can help you raise your credit score
[00:05.25]可以帮你提高信用分数
[00:05.25]Should you ever decide to take out a bank loan
[00:07.1]你是否决定向银行贷款
[00:07.1]To buy a house start a business or make other large investments
[00:10.55]买房创业或者进行其他大投资
[00:10.55]A good credit score will increase your chance
[00:12.7]良好的信用评分会增加你的机会
[00:12.7]Of getting approved for that loan
[00:15.17]拿到贷款
[00:15.17]Your credit score is essentially a prediction of your likelihood to pay back debt
[00:18.93]你的信用评分本质上是对你偿还债务可能性的预测
[00:18.93]And it's partly determined by reports of your monthly credit card activity
[00:23.4]这在一定程度上取决于你每月的信用卡活动报告
[00:23.4]The reports indicate whether you've made your payments on time
[00:26.84]报告显示你是否按时付款
[00:26.84]And how much of your credit limit you've used
[00:29.82]你用了多少信用额度
[00:29.82]To protect your credit rating
[00:31.33]保护你的信用评级
[00:31.33]Avoid late payments and ideally keep your credit card balance
[00:34.84]避免逾期还款，理想情况下保持你的信用卡余额
[00:34.84]Under 30 percent of your available credit
[00:37.93]低于你可用信用额度的百分之三十
[00:37.93]Young people typically have no credit history
[00:40.74]年轻人通常没有信用记录
[00:40.74]So they may have trouble getting approved for their first credit cards
[00:44.79]所以他们第一次申请信用卡可能会遇到麻烦
[00:44.79]You can improve your chances
[00:46.25]你可以增加机会
[00:46.25]By establishing a good working relationship with a bank first
[00:50.37]首先与银行建立良好的工作关系
[00:50.37]Open a savings account and maintain a consistent balance
[00:54.12]开设一个储蓄账户并保持稳定的余额
[00:54.12]If you live in a country whose banks offer secured credit cards
[00:57.79]如果你生活在一个银行提供担保信用卡的国家
[00:57.79]You could apply for one
[00:59.19]你可以申请一个
[00:59.19]And use the amount in your savings account as your credit limit
[01:02.75]用你储蓄账户里的钱作为你的信用额度
[01:02.75]Armed with your new card and knowledge of how it works
[01:05.99]用你的新卡武装自己知道怎么用
[01:05.99]You can continue on your path to building good credit
[01:10.099]你可以继续你的道路上建立良好的信用
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