Learn to Speak English. Асафова Г.К. - 101 стр.

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Lesson 16
APPLYING FOR A CREDIT CARD
I. NOTE
One of the fundamental rites of passage for most young adults in the United
States is applying for and receiving their first credit card. Credit cards are issued by
almost anyone – bookstores, service stations, banks, department stores, record stores, etc.
The requirements for some credit cards are tougher than for others. Many people
start off with a gasoline card, which is relatively to obtain. Two of the best known
brands of credit or bank cards in the U.S. are Visa and MasterCard. Most of these
cards carry a monthly service charge as well as annual interest in the 16–21 % range.
Cards like American Express are not actually credit cards, because you cannot defer
payment on any part of your balance.
Having a credit card opens many doors in the U.S., but also entails considerable
risk if used unwisely.
II. DIALOGUE
Credit employee: Are you applying for a Miller’s charge?
You: Yes, how long will it take for approval?
Credit employee: Only a few weeks. Have you filled out the application form yet?
You: Not entirely. I’m not a U.S. citizen. My bank and previous charge accounts are
all abroad. What should I do?
Credit employee: I don’t think there’ll be a problem. Just write down the name and
number of your accounts at home. We'll let our credit office work on this.
You: Is there a charge to use the card?
Credit employee: There’s no charge for the card itself. You pay a small amount of in-
terest on the remaining balance at the end of each month.
You: Is there a limit on what I can charge?
Credit employee: We’ll start you off with a $1200 maximum. If your credit history is
good, and you need to increase your line, we can usually do it.
You: Great. When can I start using it?
Credit employee: We should have approval within ten days. Where shall we mail
your card?
You: To this address. I’m having all my mail forwarded while I’m out of town.
III. GRAMMAR EXERCISES
1. In this exercise you have to answer the questions in
the way shown.
Example: “Did Ann make that dress herself ?”
“No, she had it made.”
1. “Did you cut your hair yourself?” “No, I ...”
2. “Did they paint the house themselves?” “No, they ...”
3. “Did Jim cut down that tree himself?” “No, ...”
4. “Did Sue repair the car herself?” “No, ...”

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