How to handle banking and telecom in English abroad?

We have several options depending on your credit history. Do you already have a credit score in the US, or is this your first credit card here?

我们有几种选择，取决于您的信用记录。您在美国已经有信用评分了吗，还是这是您在这里的第一张信用卡？

In that case, I'd recommend our secured credit card. You'll put down a refundable deposit — say, five hundred dollars — which becomes your credit limit. After six to twelve months of on-time payments, you can upgrade to an unsecured card.

那我推荐我们的抵押信用卡。您交一笔可退还的押金——比如500美元——这就是您的信用额度。按时还款6到12个月后，可以升级为无抵押信用卡。

The APR is twenty-two point nine nine percent. But if you pay your balance in full every month by the due date, you won't be charged any interest at all.

年利率是22.99%。但如果您每月在到期日前全额还款，就完全不会被收利息。

This card has no annual fee. You'll earn one percent cash back on all purchases. Once you build your credit, you could qualify for our premium card with two percent cash back and travel perks.

这张卡没有年费。所有消费有1%的返现。等您建立好信用后，可以申请我们的高级卡，有2%返现和旅行福利。

Absolutely. I'll just need your ID, Social Security number or ITIN, proof of income, and your US address. The application takes about fifteen minutes, and you'll usually get a decision the same day.

当然。我需要您的身份证件、社保号或ITIN、收入证明和美国地址。申请大约需要15分钟，通常当天就能得到结果。