準時繳卡費
Lily and Tommy are friends. They are talking about Lily getting her first credit card.
莉莉和湯米是朋友。他們在討論莉莉申辦首張信用卡。
Lily: Tommy, I just got a credit card.
莉莉：湯米，我剛拿到一張信用卡。
Tommy: Congratulations! Welcome to the adult world.
湯米：恭喜啊！歡迎來到成人的世界。
Lily: Thanks, but I’m a little worried about maintaining a good credit score.
莉莉：謝啦，不過我有點擔心維持良好的信用評分這件事。
a little=a bit 一點點be worried about N(V-ing ) 擔心~
Tommy: You’re a responsible person, so it should be easy. I was also worried when I first got a credit card, but it hasn’t been that difficult maintaining good credit.
湯米：你是個負責任的人，所以應該不難。我起初剛拿到信用卡時也會擔心，但維持良好的信用評分並沒有那麼難。
responsible (adj.)負責可靠的have(has)+p.p. 現在完成式
Lily: That’s good to hear. Do you have any tips?
莉莉：聽你這麼說我就放心了。你有什麼撇步？
tip (n.)訣竅give sb. a tip on sth. 給某人在某方面的訣竅
Tommy: The most important thing is to pay your credit card bill on time. Also, make sure to keep your balance below 30% of your available credit.
湯米：最重要的是準時繳信用卡費。此外，確保將卡費維持在信用限額的三成以下。
bill (n.)帳單；electricity bill電費帳單；water bill 水費帳單on time 準時；in time及時balance (n.)餘額,應付金額
Lily: Anything else?
莉莉：還有呢？
Tommy: Don’t apply for too many credit checks within a short period of time and always check your credit report for any errors.
湯米：不要在短時間內申請太多張信用支票，並時時檢查信用報告確認無誤。
apply for 申請error (n.)錯誤=mistake