結合提款卡跟信用卡功能
Phoebe and Wayne are at a store. Phoebe finds that she doesn’t have enough cash to pay for her purchase.
菲比和韋恩在一家店。菲比發現自己沒有足夠的現金結帳。
purchase(n.)(v.)購買（的東西）bulk purchase 大量採購
Phoebe: Wayne, could you lend me $50? I don’t have enough cash on me.
菲比：韋恩，可以借我50元嗎？我身上的現金不夠。
lend(v.)借出、放貸borrow(v.)借入、（向某人）借貸
Wayne: Me neither. You can use my debit card instead.
韋恩：我也沒有欸。不然妳先刷我的簽帳金融卡。
Neither do I.=I also don’t have enough cash.
Phoebe: Thanks. I will keep tabs on this one. When did you get a debit card?
菲比：謝啦，我會記著這筆帳的。你什麼時候辦了簽帳金融卡？
keep tabs on sth. 紀錄、留意～
Wayne: I got it from my bank when I opened an account. Now I just go cashless.
韋恩：開戶時辦的，我現在買東西都不用現金了。
Phoebe: Do debit cards work the same way as credit cards?
菲比：簽帳金融卡的運作方式跟信用卡一樣嗎？
Wayne: In a sense, debit cards blend the basic functions of an ATM card and a credit card. It allows card holders to quickly access cash from their bank accounts. Unlike a credit card, a debit card is linked directly to your bank account.
韋恩：就某種意義上來說，簽帳金融卡結合了提款卡跟信用卡的基本功能。持卡者能以便捷的方式取得現金。但有別於信用卡，簽帳金融卡是直接綁定銀行帳戶。
blend(v.)（使）結合、（使）混合blender(n.)攪拌機access(v.)進入、登入、取得be linked to 使～連結起來、綁定=be tied to
Phoebe: That means I can only use the money I have on deposit to make purchases or ATM withdrawals, and it doesn’t tap a credit line, right?
菲比：這表示我只能以帳戶存款餘額付款或提款，不能使用信用額度囉？
on deposit 以存款的形式on credit 賒帳withdrawal(n.)提款draw down or use a credit line
Wayne: Yup. You can use a debit card for online purchases, at the cash register or even on a mobile wallet app to make a payment.
韋恩：沒錯，你可以用簽帳金融卡網購，也可以用在櫃台結帳，甚至是透過行動支付付款。
e-wallet=digital wallet 電子錢包
Phoebe: Does the bank charge you for the service?
菲比：銀行會針對這項服務收費嗎？
charge(n.)(v.)收費
Wayne: Typically, there won’t be any fees. But handling fees may occur if you make a transfer between banks or use an ATM that isn’t in your bank’s network. Otherwise, no fees will be charged.
韋恩：通常不會有任何收費。除非是跨行轉帳或跨行提款才會收取手續費，否則並不會衍生費用。
handling fee 手續費transfer(n.)轉帳