How to handle banking and telecom in English abroad?

Welcome to First National Bank. For English, press 1. Para espanol, oprima 2.

欢迎致电第一国民银行。英语请按 1。西班牙语请按 2。

💡 美国银行电话几乎都有英语/西班牙语双语选项。有些大银行还提供中文服务。

Please enter your 16-digit debit card number, followed by the pound sign.

请输入您的 16 位借记卡号，然后按井号键。

💡 pound sign 在美国电话里指 # 键（井号键），不是英镑符号。star 或 asterisk 指 * 键。

For your security, please enter the last four digits of your Social Security number.

为了您的安全，请输入您的社会安全号码后四位。

💡 SSN 后四位是美国最常用的身份验证方式之一。银行、保险、医院都会问。

Main menu. For account balance, press 1. For recent transactions, press 2. For transfers, press 3. For credit card services, press 4. To speak with a representative, press 0 or say 'representative'.

主菜单。查余额请按 1。查最近交易请按 2。转账请按 3。信用卡服务请按 4。转人工请按 0 或说'代表'。

Your checking account balance is $3,247.56. Your available balance is $3,147.56 — there is a pending transaction of $100. To hear recent transactions, press 2. To return to the main menu, press star.

您的支票账户余额为 3,247.56 美元。可用余额为 3,147.56 美元——有一笔 100 美元的待处理交易。查看最近交易请按 2。返回主菜单请按星号键。

💡 checking account（支票账户）和 savings account（储蓄账户）是美国最常见的两种银行账户。available balance 比 balance 少，因为有些交易还在处理中。

Your most recent transactions are: March 12, debit, Amazon, $47.99. March 11, debit, Whole Foods Market, $52.01. March 11, pending, Shell Gas Station, $100.00. March 10, direct deposit, $2,850.00. To repeat, press 1. For more transactions, press 2.

您最近的交易是：3月12日，借记，亚马逊，47.99 美元。3月11日，借记，Whole Foods 超市，52.01 美元。3月11日，待处理，Shell 加油站，100.00 美元。3月10日，工资直存，2,850.00 美元。重听请按 1。更多交易请按 2。

Welcome to First National Bank. For English, press 1.

欢迎致电第一国民银行。英语请按 1。

Please hold while I transfer you to the next available representative. Your estimated wait time is approximately 8 minutes. Your call is important to us.

请稍候，正在为您转接下一位可用的客服代表。预计等待时间约 8 分钟。您的来电对我们很重要。

💡 'Your call is important to us' 是美国客服电话等待时最经典的话。等待时间预估经常不准。

Thank you for holding. This is Marcus with the fraud department. Before I can access your account, I'll need to verify your identity. Can I get your full name, date of birth, and the last four of your Social?

感谢等待。我是反欺诈部门的 Marcus。在我查看您的账户之前，需要验证您的身份。请提供您的全名、出生日期和社安号后四位？

Thank you, I've verified your identity. How can I help you today?

谢谢，已验证您的身份。今天有什么可以帮您的？

I can see that charge right here. $892 at TechWorld Electronics in Miami, posted 20 minutes ago. I'm also seeing a second charge — $156 at a gas station in Miami, attempted 5 minutes ago but declined. It looks like someone may have your card information. I'm going to freeze your card immediately. Is that OK?

我这里可以看到那笔交易。20 分钟前在迈阿密 TechWorld 电子消费 892 美元。我还看到第二笔——5 分钟前在迈阿密一家加油站尝试消费 156 美元，但被拒绝了。看起来有人可能拿到了您的卡信息。我现在立即冻结您的卡。可以吗？

Your card is now frozen — no new charges can go through. Regarding the $892, I'm opening a fraud dispute right now. You'll receive a provisional credit within 24 to 48 hours while we investigate. The investigation typically takes 10 business days. We'll send you a new card with a different number — it should arrive in 5 to 7 business days. Would you like us to expedite it for a $15 fee? You'd get it in 2 days.

您的卡现在已冻结——不会再有新的消费通过。关于 892 美元，我现在开一个欺诈争议。在调查期间，您会在 24 到 48 小时内收到临时退款。调查通常需要 10 个工作日。我们会寄一张新的不同号码的卡给您——预计 5 到 7 个工作日到。您要加急吗？加急费 15 美元，2 天就能收到。

I've expedited the new card — it'll arrive by Friday. As for your other accounts, I'd recommend changing your online banking password and enabling two-factor authentication if you haven't already. Also, monitor your checking account for any unusual activity over the next few weeks. Is there anything else I can help you with?

我已经加急了新卡——周五之前到。至于您的其他账户，我建议修改网银密码并开启双重认证（如果还没有的话）。另外，接下来几周留意支票账户是否有异常活动。还有别的需要帮忙的吗？