還款越來越惡化
Andy and Haley are colleagues. Haley is shopping online again.
安迪和海莉是同事。海莉又在網購了。
Andy: Why are you sighing? I thought online shopping is your happy place.
安迪：為什麼嘆氣？我以為網購是你的快樂泉源。
sigh(v.)嘆氣happy place快樂的事情
Haley: Well, I don’t want to max out my card. I really do need a card with a higher credit limit.
海莉：嗯，我不想把我的卡刷爆啊。我確實需要一張信用額度更高的卡。
max out刷爆
Andy: Do you think that’s a good thing? To get the bank to raise your credit limit?
安迪：你認為是一件好事嗎？讓銀行提高信用額度？
raise(v.)提升、舉手、養育
Haley: I don’t understand. Why not?
海莉：我不明白這個問題。為什麼不要啊？
Andy: It can be helpful to your financial situation if you have been using your card responsibly, which means you pay all your bills in full and on time.
安迪：如果一直都很妥善地運用信用卡，對財務狀況當然會有所幫助，這表示有按時全額支付所有信用卡帳單。
helpful(adj)有幫助的financial situation經濟財務情況responsibly(adv.) 負責任地、responsible(adj.)負責任的、responsibility(n.)責任
Haley: Then I can use the card more flexibly. I get it.
海莉：這樣用卡會更靈活。我明白呢。
flexible(adj.)有彈性的、flexibly(adv.)
Andy: But it could also be harmful. The problem of spending more than you earn could only go south with a higher limit.
安迪：但也有可能有壞處啊。花太多錢的問題在更高的信用額度的情況下只會越來越惡化而已。
harmful(adj.)有害的earn(v.)賺錢go south=worsen=get worse變更糟糕
Haley: What should I do if I want to get a higher credit limit?
海莉：如果想要更高的信用額度該怎麼辦呢？
Andy: Many card issuers will raise the limit automatically, or you can just try to apply for a new card.
安迪：很多發卡機構都會自動提高額度，或者你可以直接試試看申請一張新卡囉。
automatically(adv.)自動地