[speaker001:] I'd like to apply for a credit card. Can you help me with my application?
[speaker002:] I'd be glad to.
[speaker001:] I'm afraid that I don't have a credit history. I just came to this country.
[speaker002:] Do you have an account with this bank?
[speaker001:] I'm afraid not.
[speaker002:] In that case I highly recommend you apply for a savings and checking account also. That would help with your credit card application.
[speaker001:] What is the interest rate on your card?
[speaker002:] The annual charge rate is 9.5 %.
[speaker001:] That's very expensive!
[speaker002:] Not really. The credit card is a revolving account. You only pay interest on what you owe.
[speaker001:] How does the bank bill its customers for credit card charges?
[speaker002:] You will receive a monthly statement with each expenditure itemized.
[speaker001:] Does the card provide any other benefits?
[speaker002:] You can also get a cash advance up to 1,000 dollars on this card.