手機防盜與意外保障
Missy and Allen are on their lunch break. Allen is telling Missy about his credit card.
梅西和艾倫在午休。艾倫跟梅西說到有關他信用卡的事。
debit card 簽帳金融卡ATM card 提款卡
Missy: Since I have some big expenses coming up, I’ve decided it’s time to finally get a credit card.
梅西：我最近會支出一些高額的花費，我決定終於是時候申辦一張信用卡了。
expense(n.)花費、開銷household expenses 家庭開銷funeral expenses 治喪費at one’s own expense 自費
Allen: Oh, you don’t have one? I thought everyone had at least one!
艾倫：妳沒有信用卡嗎？我以為每個人至少都有一張。
Missy: No, I’ve always been worried about falling behind with payments. Have you had a credit card for a long time?
梅西：不，我一直都擔心自己會繳不出卡費。你很久以前就辦了信用卡嗎？
fall behind with (on)… 未能按時繳付～keep up with… 跟上～、按時繳付～
Allen: I’ve had mine for years. I mainly use it for paying monthly bills, but it still has great perks that I can take advantage of.
艾倫：我的信用卡用了好多年了。我主要是用來支付每月帳單，但它還有很棒的福利是我可以利用的。
take advantage of 善用、利用
Missy: What kind of benefits do you get when you use it?
梅西：刷卡可享有什麼福利？
Allen: Well, since I pay my cell phone bill with it, I get theft and damage protection for my phone.
艾倫：由於我用這張卡繳電信費，所以我的手機有防盜與意外保障。
theft(n.)盜竊damage(n.)(v.)損壞、毀損protection(n.)保護(機制)fraud(n.)詐騙warranty(n.)保固(期)
Missy: Really? I didn’t know credit cards could offer that.
梅西：真的嗎？我原先不知道信用卡有提供這項福利。
Allen: Most companies have started offering more perks to be competitive, some even allow cardholders special access to events and entry to museums.
艾倫：多數公司為了競爭開始提供更多福利，有些甚至可以讓持卡人有特殊管道取得活動入場證與博物館門票。
competitive(adj.)有競爭力的compete(v.)競爭competitor(n.)競爭者competition(n.)競賽、競爭access(n.)(v.)登入或進入(的權限)；獲取或使用～(的機會或管道)
Missy: Wow! It looks like I’ve been missing out!
梅西：哇，看來我一直都錯失了這些福利！
miss out on sth. 錯失～、錯過～