足夠餘額支付自動扣款
Jonathan is at a bank. He is asking a representative about the clauses in his account agreement.
喬納森在一家銀行。他向客服人員洽詢帳戶同意書上的條款。
clause(n.)條款add, delete, amend a clause增添、刪去、修改條款
Representative: Let’s go through some details in this agreement that you should be taking note of. Feel free to ask.
客服人員：讓我們來過目同意書上您該留意的一些細節。有問題就儘管問吧。
take note of留意、注意
Jonathan: Sure. Hmm… here’s a long-winded one. “We may debit any other account you have with us with the amount of any payment you are required to make to us and credit the amount to the outstanding debt under this agreement.” What does it mean?
喬納森：好啊。嗯⋯⋯這邊有個文縐縐的長句。「根據此同意書，本行得從您在本行的帳戶中扣除款項，以支付您在本行的應繳欠款並償還剩餘債務。」這句話是什麼意思？
long-winded(adj.)冗長的、長篇大論的debit(n.)借項;(v.)借記、扣除credit(n.)貸項;(v.)貸記、存入outstanding(adj.)剩餘的
Representative: It means once you agree to the terms, then we will have the right to take the money you have on deposit with our bank to pay off any outstanding debt you owe us. It’s called the right to offset.
客服人員：意思是一旦您同意這些條款，那我們就有權從您在本行的存款中提撥資金償還您在本行的剩餘債款。這是所謂的抵銷權。
deposit(n.)(v.)存款、存入、匯入on deposit以存款的形式pay off a debt還清債務pay down a debt償還部分債務
Jonathan: That doesn’t sound right to me. How can your bank access my account without letting me know and receiving my permission?
喬納森：那在我聽來並不合理啊。你們怎麼可以在不告知我且未經我許可的情況下擅自取得我帳戶的資金？
access(v.)進入、登入、取得、使用permission(n.)准許、許可
Representative: I’m afraid that is the rule, Sir. But if you always pay off your debts or at least stay up-to-date by making the minimum payments due, I believe the offset rule won’t be too much of a bother.
客服人員：先生，恐怕那就是規定。不過，若您每次都還清債務，或至少跟上繳款進度，不要積欠太多債款，相信這項抵銷權規定並不會造成太大的困擾。
stay up-to-date保持更新狀態due(adj.)應支付的、應繳的
Jonathan: Yeah. You’ve got a point.
喬納森：也是啦，你說得有道理。
Representative: You can also avoid the offset by reviewing your account statements regularly to make sure you have enough of a balance to cover pre-authorized payments.
客服人員：您也可以定期審視帳戶明細，確保有足夠餘額支付自動扣款的款項，以此避免資金被抵銷。
regularly(adv.)定期地、規律地cover(v.)支付authorize(v.)授權authorized(adj.)經過授權的pre-authorized payment自動扣款