汇票
在银行或邮局购买汇票用于安全支付本场景包含 12 句对话,2 条练习路径,帮你练熟和银行柜员的真实交流。
对话预览
购买汇票
basicHi, I need to buy a money order for $800. Is that something I can do here?
你好,我需要买一张800美元的汇票。这里可以办吗?
汇票(money order)可以在银行、邮局、大型超市、便利店等处购买。各渠道通常对单张汇票金额有上限,费用也不同,购买前可先问清楚上限和手续费。
Yes, absolutely. We issue money orders up to $1,000. For $800, the fee is $5. We'll need the exact amount in cash or from your checking account. Who should I make it payable to?
可以的。我们可以开到1,000美元。800美元的汇票手续费是5美元。我们需要现金或从您的支票账户扣款。收款人写谁?
Please make it payable to Pacific Heights Property Management. Can I pay from my checking account?
请写收款人 Pacific Heights Property Management。可以从我的支票账户扣吗?
房东或物业管理公司经常要求用 money order 或 cashier's check 支付房租,因为这比个人支票更安全,不会跳票。
Sure, I'll debit $805 from your checking — $800 for the money order and $5 for the fee. Make sure to fill in your name and address in the purchaser section before you hand it over. Keep the receipt — that's your proof of purchase and you'll need it if the money order gets lost.
好的,我从您的支票账户扣805美元——800是汇票金额,5块是手续费。交给对方之前记得在购买人那栏填上您的姓名和地址。收据留好——这是购买凭证,如果汇票丢了需要用到。
Got it. One more question — what if I make a mistake filling it out? Can I get a replacement?
明白了。再问一个——如果我填错了怎么办?可以换一张吗?
汇票填错后一般不能修改涂改,需要申请退款后重新购买。退款可能需要30-60天,费用不退。
Don't try to cross anything out — that voids it. Bring the money order back with your receipt, and we can cancel it and issue a new one. There's a $15 cancellation fee, and the refund takes about 30 days. So double-check the payee name before you write it.
不要划掉任何内容——那样会作废。把汇票和收据带回来,我们可以取消并重新开一张。取消费15美元,退款大约30天。所以写之前仔细核对收款人名字。
汇票追踪和国际汇票
intermediateI sent a money order two weeks ago but the recipient says they never received it. Can you help me track it?
我两周前寄了一张汇票,但收款人说没收到。你能帮我追踪一下吗?
追踪汇票需要收据上的序列号(serial number)。银行汇票可以直接在银行查询,USPS汇票需要填PS Form 6401。
I can look that up for you. Do you have your receipt? I'll need the serial number and the exact amount. Once I pull it up, I can tell you if it's been cashed or is still outstanding.
我可以帮你查。你有收据吗?我需要序列号和确切金额。查到后可以告诉你是已经兑现了还是还未兑付。
Yes, here's the receipt. The serial number is 2847563901 and the amount was $800. If it hasn't been cashed, can I cancel it and get a new one?
有,收据在这里。序列号是2847563901,金额800美元。如果没被兑现的话,可以取消重新开一张吗?
如果汇票未被兑现,可以申请 stop payment(止付)和 replacement。如果已被他人兑现,则需要走 fraud claim(欺诈索赔)流程。
Good news — it hasn't been cashed yet. I can place a stop payment on it and issue a replacement. There's a $30 stop payment fee, and the new money order will have a $5 issuance fee. The replacement will be ready today. I'd recommend sending it via certified mail this time so you have tracking.
好消息——还没被兑现。我可以做止付处理然后重新开一张。止付费30美元,新汇票手续费5美元。今天就能拿到新的。建议这次用挂号信寄,这样有追踪。
Okay, let's do that. Also, can I buy an international money order here? I need to send $500 to a relative in China.
好的,那就这样办。另外,这里能买国际汇票吗?我需要给中国的亲戚寄500美元。
很多银行不直接发行国际汇票,邮局发行的国际汇票也仅限部分国家。跨境汇款更常用 wire transfer 或 Western Union/MoneyGram。
Unfortunately, we don't issue international money orders. For sending money to China, I'd recommend an international wire transfer — we can do that here for a $45 fee, and it usually arrives within two to three business days. Alternatively, you could use a service like Western Union or Wise, which might be cheaper depending on the amount and exchange rate.
很遗憾,我们不提供国际汇票。往中国汇款的话,我建议做国际电汇——这里可以办,手续费45美元,通常两到三个工作日到账。或者你也可以用 Western Union 或 Wise 之类的服务,根据金额和汇率可能更便宜。
关键短语
make it payable to
收款人写谁
issue money orders
开具汇票
purchaser section
购买人栏
proof of purchase
购买凭证
voids it
作废
cancellation fee
取消费
serial number
序列号
cashed or still outstanding
已兑现还是未兑付
stop payment
止付
certified mail
挂号信
international wire transfer
国际电汇
exchange rate
汇率
文化注释
- •汇票(money order)可以在银行、邮局、大型超市、便利店等处购买。各渠道通常对单张汇票金额有上限,费用也不同,购买前可先问清楚上限和手续费。
- •房东或物业管理公司经常要求用 money order 或 cashier's check 支付房租,因为这比个人支票更安全,不会跳票。
- •汇票填错后一般不能修改涂改,需要申请退款后重新购买。退款可能需要30-60天,费用不退。
- •追踪汇票需要收据上的序列号(serial number)。银行汇票可以直接在银行查询,USPS汇票需要填PS Form 6401。
- •如果汇票未被兑现,可以申请 stop payment(止付)和 replacement。如果已被他人兑现,则需要走 fraud claim(欺诈索赔)流程。
- •很多银行不直接发行国际汇票,邮局发行的国际汇票也仅限部分国家。跨境汇款更常用 wire transfer 或 Western Union/MoneyGram。
如何练习
听一遍
先完整听一遍,熟悉对话节奏和语境。
逐句跟读
模仿发音、语调和节奏,一句一句跟。
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