拒付、异议、冻结、补办等真实常遇到的表达。
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It went through fine yesterday, but today my card was declined.
昨天还能用,今天我的卡却被拒付了。
At the register I got embarrassed because my card was declined in front of everyone.
在收银台,当着大家的面我的卡被拒付了,很尴尬。
"declined"=拒付。若因境外消费被拦,可向银行登记 "travel notice"。
On my statement, there’s a charge I don’t recognize for $90.
我的账单上有一笔不认识的90美元扣款。
I checked the app this morning and there’s a charge I don’t recognize from another city.
我今早查了应用,有一笔在别的城市、我不认识的扣款。
盗刷叫 "fraudulent / unauthorized charge",申报后通常会退款。
I was charged twice — I’d like to dispute a charge.
我被扣了两次款,我想对这笔扣款提出异议。
They never delivered what I paid for, so I’d like to dispute a charge.
我付了钱却一直没收到货,所以我想对这笔扣款提出异议。
"dispute a charge"=正式提出异议。银行调查后可能先行退款。
I can’t find my wallet — can you freeze my card right now?
我找不到钱包了,能现在马上帮我冻结卡吗?
I got a suspicious text about a payment — can you freeze my card until we sort it out?
我收到一条可疑的付款短信,能先帮我冻结卡,等弄清楚再说吗?
"freeze"=临时冻结(App也能),"cancel"=注销。丢失先 freeze。
The chip stopped working — I need to replace my card.
芯片不读了,我需要补办一张卡。
I dropped it down a drain and lost it, so I need to replace my card.
我把卡掉进下水道弄丢了,所以需要补办一张卡。
"replace"=补办。新卡要几天,可加问 "How long will it take?"。
Before I withdraw — is there an ATM fee for out-of-network?
取钱前问一下,跨行取款机要手续费吗?
I’m traveling abroad next week — is there an ATM fee when I use cash machines overseas?
我下周要出国,在国外取款机取钱要手续费吗?
非本行/跨网ATM叫 "out-of-network",会加收手续费(surcharge)。
It won’t let me withdraw — I forgot my PIN.
取不了钱,我忘记密码了。
I haven’t used this card in months, and now I forgot my PIN completely.
这张卡我好几个月没用了,现在密码完全忘了。
PIN=取款密码。可请求 "reset my PIN"(重设)。
I just moved here — I’d like to open an account. A checking account.
我刚搬来,想开一个账户,活期(支票)账户。
My daughter is starting university, so I’d like to open an account in her name.
我女儿要上大学了,我想用她的名字开一个账户。
"checking"=活期/支票,"savings"=储蓄。通常需身份证和地址证明。
My job pays electronically — can I set up direct deposit?
公司是电子发薪,能设置工资直接存入吗?
I’d rather not wait for a paper check, so can I set up direct deposit for my tax refund?
我不想等纸质支票,能把退税设置成直接存入吗?
"direct deposit"=工资等自动入账,需把 routing/account number 给公司。