知道怎么使用信用卡，還要了解信用卡的使用費用，都有什么呢？我們來看一組對話：

Clerk: Good morning.

Customer: Good morning. I need some information about commissions charged for the Peony Card service. Can you do me this favor, please?

Clerk: My pleasure. There's no charge for the transactions, such as deposits and withdrawals, as well as transfers at local network of the issuing bank.（在發卡行及當地分支機構辦理存取款業務及轉帳業務是免收手續費的。）

Customer: How about the charges for the service available in other cities?（那么在外地使用又是怎么收費的呢？）

Clerk: The service charge is 0.1% of the cash amount to be deposited, but 1% of the amount to be withdrawn. At least RMB 1 will be charged for one time.（在異地存入現金按0.1％收取手續費， 取現則按1％收取。每筆最低收取人民幣1元。）

Customer: Is there any other fee?

Clerk: Yes, there's an annual commission required by the issuing bank（發卡行規定每年還必須交付年費。）

Customer: How much is it?

Clerk: RMB 80 is charged for annual commission of a Golden Card5, RMB 20 for the ordinary card6. RMB 10 will be charged for a card renewal due to loss or damage.（因卡遺失或損壞等原因，申請補辦新卡時須交付工本費10元人民幣。）

Customer: Oh, I see. Thanks a lot.

Clerk: That's all right. Good bye!

Notes:
1. transaction譯為"交易"，是一種正式用法
2. local network 譯為"當地網點"
3. annual commission 譯為"年費"
4. Golden Card 金卡
5. ordinary card 普通卡

以上是關于信用卡的英語表達，我們從中會發現很多措辭都是金融界所特有的，看似簡單的表達，卻不能隨意地套用日常會話的表達，否則還真是有可能產生誤解，甚至帶來一些不必要的麻煩，所以做個有心人吧，隨時隨地都能學到不少有用的東西呢!

(部分對話選自《銀行臨柜英語口語》通訊員王源供稿 英語點津 Annabel 編輯)