第2260期:Plastic money

Emily: Hello
艾米丽：你好

Jackie: So Emily, tell me first of all um… how many credit cards do you have?
杰姬：那么艾米丽，首先告诉我，你有多少张信用卡？

Emily: Well, Jackie, I don’t actually have a credit card um… but I’ve got a debit card.
艾米丽：嗯，杰姬，我其实没有信用卡，但我有一张借记卡。

Jackie: Ah… ok, so it means that the money comes…
杰姬：啊……好的，所以这意味着钱来自……

Emily: Um… it just comes straight from my bank, really.
艾米丽：嗯……其实就是直接从我的银行账户里出来的。

Jackie: Ok. What do you usually use your debit card for?
杰姬：好的。你通常用你的借记卡做什么？

Emily: Um… I use it mostly um… just to get money out of a cash machine.
艾米丽：嗯……我主要用它从自动取款机取钱。

Jackie: From the bank.
杰姬：从银行。

Emily: From the bank exactly, exactly.
艾米丽：从银行，没错，没错。 

Um… it depends where I am though, sometimes I can use my debit card when I go shopping in the supermarket.
嗯……不过，这取决于我在哪里，有时候我可以在超市购物时使用我的借记卡。

Jackie: And in other shops as well?
杰姬：在其他商店也可以吗？

Emily: Yes. Um… some small shops don’t take debit cards. Um… but, nowadays, many do.
艾米丽：是的。有些小店不接受借记卡，但现在，很多店都接受了。

Jackie: Do you use it, Emily, do you use your debit card for buying things online?
杰姬：你用它吗，艾米丽，你用借记卡在网上购物吗？

Emily: Yes, sometimes. Um… I usually buy flights online: it’s much easier, I find, and much quicker…
艾米丽：是的，有时会。我通常在网上购买机票：我觉得这样更容易，也更快……

Jackie: …than going to travel agents.
杰姬：……比去旅行社更方便。

Emily: Exactly, exactly. Um… sometimes, I find books, some books online as well.
艾米丽：没错，没错。有时候，我也会在网上买书。

Jackie: Do you use Amazon?
杰姬：你用亚马逊吗？

Emily: Yes, I do.
艾米丽：是的，我用。

Jackie: Mmm. Do you buy clothes online?
杰姬：嗯。你在网上买衣服吗？

Emily: No, I don’t, I don’t.
艾米丽：不，我不买，我不买。

Jackie: But… but, ok, so you use your debit card online…
杰姬：但是……但是，好吧，所以你在网上使用借记卡……

Emily: Mmm
艾米丽：嗯

Jackie: …do you worry about that? Do you worry about the security?
杰姬：……你担心吗？你担心安全吗？

Emily: Um… yes, sometimes I do. Um… luckily, nothing has happened so far, but when I was a student, I had a problem er… with someone copying my debit card and they spent a lot of my money on first class train tickets around the UK.
艾米丽：嗯……是的，有时我会担心。幸运的是，到目前为止还没有发生什么，但当我还是学生时，我遇到过一个问题……有人复制了我的借记卡，他们在英国各地用我的钱购买了一等火车票。

Jackie: Oh, no.
杰姬：哦，不。

Emily: I know, it was awful.
艾米丽：我知道，那真是太糟糕了。

Jackie: Did you lose the money?
杰姬：你损失了那些钱吗？

Emily: I lost it for a bit. Um… but then the bank paid it back to me, thank goodness, but I felt very stressed at the time.
艾米丽：我暂时失去了那些钱。不过后来银行把钱还给了我，谢天谢地，但当时我感到非常有压力。

Jackie: Mmm… I can imagine. So, when was the last time you used your card?
杰姬：嗯……我能想象。那么，你上次使用借记卡是什么时候？

Emily: Actually, about two hours ago, in fact.
艾米丽：其实，就在大约两个小时前。

Jackie: Oh, really?
杰姬：哦，真的吗？

Emily: Yeah
艾米丽：是的

Jackie: What… what did you buy?
杰姬：你……你买了什么？

Emily: Um… I… I just took money out of my, out of the bank machine….
艾米丽：嗯……我……我只是从银行自动取款机里取了钱……

Jackie: Oh ok.
杰姬：哦，好吧。

Emily: …really.
艾米丽：……真的。

Jackie: Ok. Do you think, do you think Emily, that you buy more things because you have your debit card or not?
杰姬：好的。你认为，艾米丽，你因为有借记卡而买更多东西吗？

Emily: Um… it’s an interesting question Jackie. Um… I think everything is much easier with the debit card because you can… you always have money on you in the sense that you’ve always got plastic money on you.
艾米丽：嗯……这是个有趣的问题，杰姬。我认为有了借记卡，所有事情都更容易了，因为你可以……你身上总是有钱，意思是你总是有电子支付货币在身上。

Jackie: Have… have you, have you sometimes been in a shop or seen something online and you bought it because it’s… it’s been easier to use your card?
杰姬：你有没有，有时在商店里或者在网上看到某些东西然后买了，因为……用卡更方便？

Emily: Um…. yes, but I… I always… I think some people don’t see a card as money…
艾米丽：嗯……是的，但我……我总是……我认为有些人不把卡看作是钱……

Jackie: Mmm
杰姬：嗯

Emily: …and I think, I’ve always seen it as being real money. I think, may be that’s a good thing or else I would’ve spent all my money a long time ago. So, um… it is easier, but I still always know when I’m spending money.
艾米丽：……而且我认为，我一直把它看作是真钱。我认为，也许这是件好事，否则我早就把所有的钱花光了。所以，嗯……这更容易，但我还是一直知道自己在花钱。

Jackie: So, you’re a… you’re a careful user of a debit card.
杰姬：所以，你是……你是个谨慎使用借记卡的人。

Emily: Yes, yes. I think I am.
艾米丽：是的，是的。我认为我是。

Jackie: Very sensible, Emily. 
杰姬：非常明智，艾米丽。