[speaker001:] Credit Services, how can I help you?
[speaker002:] I'd like to apply for a credit card with you.
[speaker001:] Would that be our standard card, our gold card, or our platinum card?
[speaker002:] Oh, I'm not sure. What's the difference?
[speaker001:] Well, the standard card has a lower credit limit, that's 20,000 RIB, whereas with the platinum card you can have a credit limit of 80,000 RIB.
[speaker002:] Why such a big difference?
[speaker001:] It's all about credit rating and salary. If your credit rating and your salary are high enough, we can offer you the platinum card.
[speaker002:] My salary is pretty high and I've never had a problem with my credit rating in the past. Are there any perks of the platinum card?
[speaker001:] Yes, we have contracts with various luxury shops and health clubs, where if you use the card to purchase items from them, you can get some healthy discounts.
[speaker002:] That's great; my health club membership is about to expire.