信用評分不佳影響
Jane is in the living room with her roommate, Jack. He is looking at a piece of paper.
珍與室友傑克待在客廳，傑克在看一張紙。
Jack: Hey, isn’t this your credit card bill?
傑克：欸，這不是妳的信用卡帳單嗎？
Jane: Oh no! I completely forgot about it!
珍：喔不，我把這事忘得一乾二淨了！
Jack: The payment due date has already passed. You’ll get charged for a late payment.
傑克：繳款期限已經過了，銀行會向妳收取一筆逾期還款違約金。
payment(n.)付帳;款項due(adj.)預期的;預計的charge(v.)收費
Jane: I know. But it’s no use crying over spilled milk.
珍：我知道啊，但現在後悔也於事無補。
it’s no use crying over spilled milk=事已至此,傷心也沒用
Jack: Well, don’t get into the habit of paying your bills late.
傑克：不要老是遲繳卡費啊。
get out of the habit=改掉習慣
Jane: Why? What will happen?
珍：為什麼？會怎麼樣嗎？
Jack: Besides the late fees, not paying your bills on time will reflect poorly on your credit score.
傑克：除了要繳違約金，不準時還款也會影響妳的信用評分。
reflect on=給人留下某種印象
Jane: And then?
珍：然後呢？
Jack: And then banks will be less willing to loan you money.
傑克：然後銀行就會更不願意讓妳貸款。
be willing to do sth.=願意做某事
Jane: I don’t think I’ll need to borrow money any time soon.
珍：我想我短期內也不會需要借錢。
Jack: In some cases, a bad credit score can even affect your job hunting.
傑克：在某些情況下，信用評分不佳會影響妳找工作。
affect(v.)影響
Jane: All right. I got your point.
珍：好吧，我懂你的意思了。