Having Bad Credit 信用不佳

　　Alisha: This is the second time Ive been turned down for a credit card in a month. I dont know what Im doing wrong.

　　這是我一個月之內(nèi)第二次信用卡被拒了。我不知道自己做錯了什么。

　　James: Have you checked your credit report recently? Maybe you have a bad credit rating.

　　你最近有沒有查看信用記錄?或許你的信用評級不好。

　　Alisha: I have a full-time job with a good income, which they can easily verify, and I dont have any outstanding debt, so what could be the problem?

　　我有一份收入良好的全職工作，他們很容易證實，我也沒有未償付債務(wù)，那可能是什么問題呢?

　　James: Have you had a credit card before?

　　你以前有沒有信用卡呢?

　　Alisha: Yes.

　　有。

　　James: Did you always make your payments on time?

　　你有沒有及時支付呢?

　　Alisha: Well, no.

　　哦，沒有。

　　James: Then that may be your answer. Your payment history makes a big difference with the credit bureau. If youve missed payments or been late, thats a big strike against you.

　　可能就是這個問題了。你的支付歷史對信用評定機構(gòu)有很大影響。如果你未支付或延時支付，對你來說是一個很大的打擊。

　　Alisha: You mean if I were late a few times, I wouldnt be able to get another credit card?

　　你是說如果我有幾次未及時支付，我不可能再得到另外一張信用卡?

　　James: A few times? How many times?

　　幾次?多少次?

　　Alisha: Well, maybe a lot of times.

　　哦，或許很多次。

　　James: And why do you need another credit card if you already have one?

　　如果你已經(jīng)有一張信用卡了，為什么還要再申請一張呢?

　　Alisha: Had one, past tense. The credit card company cancelled it.

　　曾經(jīng)有，已經(jīng)是過去了。信用卡公司取消了。

　　James: Ah ha, I think weve just found the crux of the problem.

　　哈哈!我想我們已經(jīng)發(fā)現(xiàn)了問題的關(guān)鍵了。

　　Having Bad Credit 信用不佳

　　Alisha: This is the second time Ive been turned down for a credit card in a month. I dont know what Im doing wrong.

　　這是我一個月之內(nèi)第二次信用卡被拒了。我不知道自己做錯了什么。

　　James: Have you checked your credit report recently? Maybe you have a bad credit rating.

　　你最近有沒有查看信用記錄?或許你的信用評級不好。

　　Alisha: I have a full-time job with a good income, which they can easily verify, and I dont have any outstanding debt, so what could be the problem?

　　我有一份收入良好的全職工作，他們很容易證實，我也沒有未償付債務(wù)，那可能是什么問題呢?

　　James: Have you had a credit card before?

　　你以前有沒有信用卡呢?

　　Alisha: Yes.

　　有。

　　James: Did you always make your payments on time?

　　你有沒有及時支付呢?

　　Alisha: Well, no.

　　哦，沒有。

　　James: Then that may be your answer. Your payment history makes a big difference with the credit bureau. If youve missed payments or been late, thats a big strike against you.

　　可能就是這個問題了。你的支付歷史對信用評定機構(gòu)有很大影響。如果你未支付或延時支付，對你來說是一個很大的打擊。

　　Alisha: You mean if I were late a few times, I wouldnt be able to get another credit card?

　　你是說如果我有幾次未及時支付，我不可能再得到另外一張信用卡?

　　James: A few times? How many times?

　　幾次?多少次?

　　Alisha: Well, maybe a lot of times.

　　哦，或許很多次。

　　James: And why do you need another credit card if you already have one?

　　如果你已經(jīng)有一張信用卡了，為什么還要再申請一張呢?

　　Alisha: Had one, past tense. The credit card company cancelled it.

　　曾經(jīng)有，已經(jīng)是過去了。信用卡公司取消了。

　　James: Ah ha, I think weve just found the crux of the problem.

　　哈哈!我想我們已經(jīng)發(fā)現(xiàn)了問題的關(guān)鍵了。