支付高額利率
Morris and Sylvia are colleagues. They are talking about transferring a credit card balance to avoid high interest payments.
莫里斯和希維雅是同事。他們在談論轉移信用卡費，以此避免支付高額利率。
avoid(v.)避免、避開
Sylvia: I’ve heard that interest rates are going to go through the roof soon.
希維雅：我聽說利率不久後就會飆升。
go through the roof 飛漲、激增
Morris: You’re right. I read the same thing. Experts say it’s the best way to combat inflation.
莫里斯：你說得沒錯。我也看到同樣的消息。專家表示這是對抗通貨膨脹最好的辦法。
combat(v.)打擊、制止deflation(n.)通貨緊縮
Sylvia: That’s true, but I have a balance on my credit card that I’m worried will be affected.
希維雅：確實，但我積欠了信用卡費，我擔心會受到影響。
affect(v.)影響
Morris: You should search other banks and maybe apply for a new credit card.
莫里斯：你應該找找其他銀行，或許可以申辦一張新的信用卡。
search(v.)搜查、搜尋apply for a loan, scholarship 申請貸款、獎學金
Sylvia: How would that help? I already have one card, and I’m carrying a balance.
希維雅：那會有用嗎？我已經有了一張信用卡，而且還積欠了卡費。
Morris: Many new cards may offer a zero-percent promotional interest rate for transferring existing balances from other credit cards. Plus, they might even waive the transfer fee.
莫里斯：很多信用卡為轉移卡費提供零利率優惠，或許還可以免繳轉移費。
promotion(n.)促銷promotional(adj.)促銷的existing(adj.)現存的、現有的waive(v.)免除、免去waiver(n.)免支付協議visa waiver program 免簽證計劃
Sylvia: Really? So I would be able to save money on my interest payments simply by getting a new card?
希維雅：真的嗎？所以只要申辦一張新的信用卡，支付利率時還能省錢啊？
be able to do sth. 能夠做某事
Morris: Yes, it’s actually pretty common. Just make sure that you read all the terms and conditions as interest-free introductory periods can be anywhere between six to 18 months.
莫里斯：對啊，這其實相當普遍。確保你詳閱所有條款與條規，因為可能只有前期的6至18個月期間可享有零利率優惠。
uncommon(adj.)不常見的、不普遍的terms and conditions 條款與條規introduction(n.)介紹、引見introductory(adj.)首次的、序言相關的introductory course 入門課程introductory chapter 序篇introductory price 上市價