Alisha: This is the second time I’ve been turned down for a credit card in a month. I don’t know what I’m doing wrong.
這是我一個月之內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 don’t haveany 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，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 you’ve missed payments or been late, that’s 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 wouldn’t 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.
曾經有，已經是過去了。信用卡公司取消了。
James: I think we’ve just found the crux of the problem.
我想我們已經發現了問題的關鍵了。


對話解析
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。
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？
outstanding 未支付的;未結清的
The total debt outstanding is $70 billion.
未償債務總額達700億美元。
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。
crux (難題或辯論的)關鍵;最難點;癥結
He said the crux of the matter was economic policy.
他說問題的癥結在于經濟政策。