英語聽力頻道為大家整理的初中英語聽力訓練：不良信用，供大家參考:)
Alisha: This is the second time I’ve been turned down for a credit card in a month. I don’t know what I’m doing wrong.
這是我這周第二次辦理信用卡被拒了。我不知道哪里出了問題。
James: Have you checked your credit report recently? Maybe you have a bad credit rating.
你檢查了你最近的信用報告沒有？可能你的信用評級不好。
Alisha: I have a full-time job with a good income, which they can easily verify, and I don’t have any outstanding debt, so what could be the problem?
我有全職工作，收入不錯，他們很容易核查，我也沒有未償債務，到底是什么問題呢？
James: Have you had a credit card before?
你之前有過信用卡嗎？
Alisha: Yes.
有過
James: Did you always make your payments on time?
你及時還款了嗎？
Alisha: Well, no.
呃，這個，沒有。
James: Then that may be your answer. Your payment history makes a big difference with the credit bureau. If you’ve missed payments or been late, that’s a big strike against you.
可能這就是問題所在了。你的還款記錄對信用卡中心很重要。你要是沒還或者是沒及時還錢的話，對你很不利。
Alisha: You mean if I were late a few times, I wouldn’t be able to get another credit card?
你意思是如果我晚還幾次的話，我就無法申請另一張信用卡了？
James: A few times? How many times?
幾次，多少次?。?BR> Alisha: Well, maybe a lot of times.
呃，可能有不少次呢。
James: And why do you need another credit card if you already have one?
你都有一張了，你為什么需要另一張信用卡？
Alisha: Had one, past tense. The credit card company cancelled it.
曾經(jīng)有一張。信用卡公司給我停了。
James: Ah ha, I think we’ve just found the crux of the problem.
啊，我想我們找到問題所在了。
Alisha: This is the second time I’ve been turned down for a credit card in a month. I don’t know what I’m doing wrong.
這是我這周第二次辦理信用卡被拒了。我不知道哪里出了問題。
James: Have you checked your credit report recently? Maybe you have a bad credit rating.
你檢查了你最近的信用報告沒有？可能你的信用評級不好。
Alisha: I have a full-time job with a good income, which they can easily verify, and I don’t have any outstanding debt, so what could be the problem?
我有全職工作，收入不錯，他們很容易核查，我也沒有未償債務，到底是什么問題呢？
James: Have you had a credit card before?
你之前有過信用卡嗎？
Alisha: Yes.
有過
James: Did you always make your payments on time?
你及時還款了嗎？
Alisha: Well, no.
呃，這個，沒有。
James: Then that may be your answer. Your payment history makes a big difference with the credit bureau. If you’ve missed payments or been late, that’s a big strike against you.
可能這就是問題所在了。你的還款記錄對信用卡中心很重要。你要是沒還或者是沒及時還錢的話，對你很不利。
Alisha: You mean if I were late a few times, I wouldn’t be able to get another credit card?
你意思是如果我晚還幾次的話，我就無法申請另一張信用卡了？
James: A few times? How many times?
幾次，多少次?。?BR> Alisha: Well, maybe a lot of times.
呃，可能有不少次呢。
James: And why do you need another credit card if you already have one?
你都有一張了，你為什么需要另一張信用卡？
Alisha: Had one, past tense. The credit card company cancelled it.
曾經(jīng)有一張。信用卡公司給我停了。
James: Ah ha, I think we’ve just found the crux of the problem.
啊，我想我們找到問題所在了。