一個(gè)月之內(nèi)第二次信用卡被拒了是怎么回事

今天的這段對話，在討論信用卡，
 
一個(gè)月之內(nèi)第二次信用卡被拒了是怎么回事
 
來聽今天的講解:
 
A: This is the second time I’ve been turned down for a credit card in a month. I don’t know what I’m doing wrong.
 
這是我一個(gè)月之內(nèi)第二次信用卡被拒了。我不知道自己做錯(cuò)了什么。
 
B: Have you checked your credit report recently? Maybe you have a bad credit rating.
 
你最近有沒有查看信用記錄？或許你的信用評級不好。
 
A: I have a full-time job with a good income, which they can easily verify, and I don’t haveany outstanding debt, so what could be the problem?
 
我有一份收入良好的全職工作，他們很容易證實(shí)，我也沒有未償付債務(wù)，那可能是什么問題呢？
 
B: Have you had a credit card before?
 
你以前有沒有信用卡呢？
 
A: Yes.
 
有。
 
B: Did you always make your payments on time?
 
你有沒有及時(shí)支付呢？
 
A: Well, no.
 
哦，沒有。
 
B: Then that may be your answer. Your payment history makes a big difference with the credit bureau. If you’ve missed payments or been late, that’s a big strike against you.
 
可能就是這個(gè)問題了。你的支付歷史對信用評定機(jī)構(gòu)有很大影響。如果你未支付或延時(shí)支付，對你來說是一個(gè)很大的打擊。
 
A: You mean if I were late a few times, I wouldn’t be able to get another credit card?
 
你是說如果我有幾次未及時(shí)支付，我不可能再得到另外一張信用卡？
 
B: A few times? How many times?
 
幾次？多少次？
 
A: Well, maybe a lot of times.
 
哦，或許很多次。
 
B: And why do you need another credit card if you already have one?
 
如果你已經(jīng)有一張信用卡了，為什么還要再申請一張呢？
 
A: Had one, past tense. The credit card company cancelled it.
 
曾經(jīng)有，已經(jīng)是過去了。信用卡公司取消了。
 
B: I think we’ve just found the crux of the problem.
 
我想我們已經(jīng)發(fā)現(xiàn)了問題的關(guān)鍵了。