1.turn down拒絕

Before this I'd have smiled and turned her down...
在這之前，我本該笑著拒絕她。

2.credit report信用報告

Loans to people who have no personal credit report?
沒有貸款的人有個人信用報告嗎？

3.outstanding未支付的，未結清的，Money that is outstanding has not yet been paid and is still owed to someone.

The total debt outstanding is $70 billion...
未償債務總額達700億美元。

4.on time按時，準時

He will come on time even though it rains.
即使下雨，他還是會準時來的。

5.crux (難題或辯論的)關鍵，最難點，癥結 The crux of a problem or argument is the most important or difficult part of it which affects everything else.

He said the crux of the matter was economic policy.
他說問題的癥結在于經濟政策。