| A | 老婆，我们还是申请一张信用卡吧。 |
| lǎopo, wǒmen háishì shēnqǐng yī zhāng xìnyòngkǎ ba. |
| Dear, how about we apply for a credit card? |
|
|
| B | 不是说好不申请了吗？家里收入、开支都挺稳定的，根本用不到。 |
| bù shì shuōhǎo bù shēnqǐng le ma? jiālǐ shōurù, kāizhī dōu tǐng wěndìng de, gēnběn yòngbudào. |
| Didn't we already agree not to get one? Our household income and expenses are all quite stable. We have no use for it. |
|
|
| A | 怎么会？现在出去住酒店，都要用信用卡作担保。再说了，我们又不会乱透支。就申请一张有什么不好的？ |
| zénme huì? xiànzài chūqù zhù jiǔdiàn, dōu yào yòng xìnyòngkǎ zuò dānbǎo. zàishuō le, wǒmen yòu bù huì luàn tòuzhī. jiù shēnqǐng yī zhāng yǒu shénme bù hǎo de? |
| How can you say that? Nowadays when you stay in a hotel, you have to use a credit card to guarantee the room. Besides, we won't go crazy with it. What's the big deal with just applying for one? |
|
|
| B | 你现在这么说。等有了卡，你肯定把卡刷爆，买你喜欢的电子产品。 |
| nǐ xiànzài zhème shuō. děng yǒu le kǎ, nǐ kěndìng bǎ kǎ shuābào, mǎi nǐ xǐhuan de diànzǐ chǎnpǐn. |
| That's what you say now. Once you have the card, you will definitely rack it up, buying all those electronics that you like. |
|
|
| A | 你当我这么没自控能力啊？而且就算欠款，利息也很低的。只有万分之几。那才多少钱？ |
| nǐ dàng wǒ zhème méi zìkòng nénglì a? érqiě jiùsuàn qiànkuǎn, lìxī yě hěn dī de. zhǐyǒu wànfēn zhī jǐ. nà cái duōshǎo qián? |
| Do you really think I have no kind of self-control? Plus, even if we did owe money, the interest is very low. It's only a few thousandths of a percent. What does that amount to? |
|
|
| B | 你少蒙我了。我也上网查过了，那是日息。不知不觉就累积上去了。到时候还不出钱，欠银行一屁股债，变成个卡奴。看你怎么办？ |
| nǐ shǎo mēng wǒ le. wǒ yě shàngwǎng chá guo le, nà shì rìxī . bùzhībùjué jiù lěijī shàngqu le. dào shíhou huánbuchū qián, qiàn yínháng yī pìgu zhài , biànchéng ge kǎnú. kàn nǐ zěnme bàn? |
| Stop trying to fool me. I've looked online before--that is daily interest. It accumulates without you even realizing it, then you suddenly owe the bank a huge whack of money, and become a slave to the card. Then what will you do? |
|
|
| A | 被你说得好像跟高利贷借钱一样。我不也是为我们俩着想吗？你老说想去欧洲旅行，有了信用卡，我们今年就能去。一般银行都有二十多天的还款期限，不收利息的。 |
| bèi nǐ shuō de hǎoxiàng gēn gāolìdài jièqián yīyàng. wǒ bù yě shì wèi wǒmen liǎ zhuóxiǎng ma? nǐ lǎo shuō xiǎng qù Oūzhōu lǚxíng, yǒu le xìnyòngkǎ, wǒmen jīnnián jiù néng qù. yībān yínháng dōu yǒu èrshí duō tiān de huánkuǎn qīxiàn, bù shōu lìxī de. |
| You make it sound like it's like a loanshark. Aren't I just thinking of the two of us? You are always saying you would like to go traveling in Europe. If we get a credit card, we can go this year. Generally banks give you more than twenty days to pay back the money without charging you interest. |
|
|
| B | 你这二十几天能变出几万块钱还银行？我们赚多少花多少，多余的部分再存起来。超前消费，我心里不踏实。 |
| nǐ zhè èrshí jǐ tiān néng biànchū jǐ wàn kuàiqián huán yínháng? wǒmen zhuàn duōshǎo huā duōshǎo, duōyú de bùfen zài cún qǐlai. chāoqián xiāofèi, wǒ xīnli bù tāshi. |
| These twenty-something days you are able to change into tens of thousands of dollars to pay back the bank? Let's just spend what we make, and what extra we have we can put in savings. I don't feel comfortable with over-extending ourselves. |
|
|
| A | 啊哟，现在通货膨胀这么厉害，钱每天都在贬值。存钱根本就是一种浪费。你能接受贷款买房，为什么那么反对办信用卡？ |
| āyō, xiànzài tōnghuò péngzhàng zhème lìhai, qián měitiān dōu zài biǎnzhí. cúnqián gēnběn jiùshì yī zhǒng làngfèi. nǐ néng jiēshòu dàikuǎn mǎifáng, wèishénme nàme fǎnduì bàn xìnyòngkǎ? |
| Yikes, nowadays with inflation being so crazy, money just depreciates in value every day. Putting money into savings is a complete waste. You can accept taking out a mortgage to buy a house, why are you so opposed to getting a credit card? |
|
|
| B | 正是因为要还房贷，所以我们更要小心花钱。反正我不同意办卡。 |
| zhèng shì yīnwèi yào huán fángdài, suǒyǐ wǒmen gèng yào xiǎoxīn huāqián. fǎnzhèng wǒ bù tóngyì bàn kǎ. |
| It's precisely because we have to pay off our mortgage that we need to be extra careful about spending money. Anyway, I don't consent to getting a card. |
|
|
| A | 那我自己去办。一点儿小事，就那么大惊小怪的。真没劲！ |
| nà wǒ zìjǐ qù bàn. yīdiǎnr xiǎoshì, jiù nàme dàjīngxiǎoguài de. zhēn méijìn! |
| OK then, I will go and get one myself. You have to make such a big deal out of nothing. It's so tedious! |
|
|
| B | 好啊，你去办。以后有事自己负责。 |
| hǎo a, nǐ qù bàn. yǐhòu yǒushì zìjǐ fùzé. |
| Fine, you go and get one. Later when problems arise it's your responsibility. |
|
|