自动付款
设置银行自动付款来定期支付账单本场景包含 10 句对话,1 条练习路径,帮你练熟和银行柜员的真实交流。
对话预览
设置自动付款
basicI keep forgetting to pay my bills on time. Can you help me set up automatic payments?
我老是忘记按时付账单。你能帮我设置自动付款吗?
逾期付款(late payment)会严重影响信用评分。设置 auto-pay(自动还款)是保护信用记录的好方法。
Absolutely! We can set up bill pay through your account. Which bills would you like to automate? Common ones are rent, utilities, credit card payments, and phone bills.
当然!我们可以通过您的账户设置账单支付。您想自动支付哪些账单?常见的有房租、水电费、信用卡还款和手机费。
I'd like to set up auto-pay for my credit card and my electricity bill.
我想给信用卡和电费设置自动付款。
For your credit card, do you want to pay the minimum payment, the full balance, or a fixed amount each month?
信用卡的话,您想每月自动支付最低还款额、全额,还是固定金额?
I'll pay the full balance each month. I don't want to pay any interest.
每月全额还款。我不想付利息。
信用卡利息可能很高,所以全额还款是常见的理财策略。
Smart choice. I'll set it to pay the full statement balance on the due date. For your electricity bill, I'll need the account number from your utility company. Do you have a recent bill with you?
明智的选择。我会设置在到期日自动支付全额账单余额。电费的话,我需要电力公司的账号。您带了最近的账单吗?
“utility company” 指提供水电煤气等公共服务的公司。
Yes, here it is. What if there's not enough money in my account when the payment is due?
有的,给你。如果付款日账户里钱不够怎么办?
If there are insufficient funds, the payment will be declined and you may incur an overdraft fee or a returned payment fee. I'd recommend setting up low-balance alerts so you get a notification when your account drops below a certain amount.
如果资金不足,付款会被拒绝,您可能会产生透支费或退款费。我建议设置低余额提醒,当账户余额低于某个金额时会通知您。
透支费 (overdraft fee) 和退票费 (returned payment fee) 往往很高,需注意避免。
Good idea. Can I cancel or modify the auto-pay anytime?
好主意。自动付款可以随时取消或修改吗?
Yes, you can change or cancel auto-pay at any time through the app or online banking, or by calling us. Just make sure to do it at least one business day before the scheduled payment date.
可以,您可以随时通过App、网上银行或打电话给我们来更改或取消自动付款。只需确保在预定付款日前至少一个工作日操作。
“business day” 指工作日 (周一至周五),不包括周末和公共节假日。
关键短语
bill pay
账单支付
automate
自动化
utilities
水电费/公用事业费
minimum payment
最低还款额
full balance
全额
fixed amount
固定金额
statement balance
账单余额
utility company
电力/公用事业公司
recent bill
最近的账单
insufficient funds
资金不足
declined
被拒绝
returned payment fee
退款费
文化注释
- •逾期付款(late payment)会严重影响信用评分。设置 auto-pay(自动还款)是保护信用记录的好方法。
- •信用卡利息可能很高,所以全额还款是常见的理财策略。
- •“utility company” 指提供水电煤气等公共服务的公司。
- •透支费 (overdraft fee) 和退票费 (returned payment fee) 往往很高,需注意避免。
- •“business day” 指工作日 (周一至周五),不包括周末和公共节假日。
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