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Uchebnik_kafedry_dlya_pechati.doc
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Questions:

  1. What are the main advantages of credit cards compared to cash or the card/cheque system?

  2. What different types of credit cards are to be found?

  3. What do you understand by a deposit for a rented car?

  4. Why is a credit card a particular advantage for travelling abroad?

  5. What are the dangers when using a credit card?

  6. List up a number of tips which could be used to assist the customer in using the card to his best advantage.

Active Words and Phrases:

bank credit card

банківська кредитна картка

interest charge

проценти за послугу

travel credit card

кредитна картка для подорожі

installment

черговий внесок

entertainment credit card

кредитна картка для оплати розваг

withdraw money

брати гроші з рахунку

charge

брати плату

card holder

власник картки

run an account

обслуговувати рахунок

affect payment

вносити (зробити) плату

monthly statement

місячний звіт

insurance services

страхові послуги

incurred amount

назначені суми

deposit

вклад у банку, грошовий внесок

Ex. III. Read the dialogue below and role-play it.

Richard used the EUROCARD system, but now he wants to have information about other credit cards.:

Mr Hardy:

Good morning, sir. Can I help you?

Richard: Good morning. Well, I've come to find out about those credit cards. This year I'm going to the USA with my family and I've heard that credit cards are often more commonly used as a method of payment than cash, at least in the States.

H.: Yes, in most cases it's quite true, Mr. Brown. Credit cards are more widely used, but not only that, they're also a lot safer, especially in the holiday situation. However, as EUROCHEQUES are not accepted in the USA, I'm afraid, we will have to consider credit cards.

R.: Are they very expensive?

H.: No, they really aren't. Of course, there are different arrangements to choose from. The normal EUROCARD costs $ 40.00 whereas EUROCARD GOLD is $130.00, both charges are made annually.

R.: I'm a bit confused here. What is the difference between the two?

H.: Well, both cards have the advantage that you can pay without using cash or cheques in almost every conceivable situation. However, the EUROCARD GOLD does have a number of advantages over the normal EUROCARD as regards the credit limit and comprehensive insurance service. There are a number of points worth considering, especially when travelling with a family. Firstly, the EUROCARD GOLD offers a more flexible credit limit which can be of great advantage when suddenly faced with unexpected purchases or other expenses. Furthermore, holders of this card are entitled to a number of insurance covers.

R.: That sounds quite interesting, but doesn't this type of thing lead to more uncontrolled spending?

H.: You know, Mr. Brown, there is some truth in what you say. However, using the card in the appropriate way that shouldn't be the case. It is really a prejudice that spending with the credit card can’t be kept track of as well as other, more usual methods. Every time you use your card, you automatically get a receipt and you can always see what your financial standing is. Apart from this, you receive a monthly statement where each item is listed for you.

R.: What happens when my credit card is stolen?

H.: As soon as you notice the loss or theft of your card, you should inform the central office. However, in the worst case you will only be liable for $ 100.00 of possible losses.

R.: All this seems quite attractive.

H.: In addition, we have a trial period of three months in which you can use the card free of charge and without any obligation after this period.

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