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A: This is the second time I’ve been turned down for a credit card in a month. I don’t know what I’m doing wrong.

这是我一个月之内第二次信用卡被拒了。我不知道自己做错了什么。

B: Have you checked your credit report recently? Maybe you have a bad credit rating.

你最近有没有查看信用记录？或许你的信用评级不好。

A: I have a full-time job with a good income, which they can easily verify, and I don’t have any outstanding debt, so what could be the problem?

我有一份收入良好的全职工作，他们很容易证实，我也没有大额未偿付债务，那可能是什么问题呢？

B: Have you had a credit card before?

你以前有没有信用卡呢？

A: Yes.

有。

B: Did you always make your payments on time?

你有没有及时支付呢？

A: Well, no.

哦，没有。

B: Then that may be your answer. Your payment history makes a big difference with the credit bureau. If you’ve missed payments or been late, that’s a big strike against you.

可能就是这个问题了。你的支付历史对信用评定机构有很大影响。如果你未支付或延时支付，对你来说是一个很大的打击。

A: You mean if I were late a few times, I wouldn’t be able to get another credit card?

你是说如果我有几次未及时支付，我不可能再得到另外一张信用卡？

B: A few times? How many times?

几次？多少次？

A: Well, maybe a lot of times.

哦，或许很多次。

B: And why do you need another credit card if you already have one?

如果你已经有一张信用卡了，为什么还要再申请一张呢？

A: Had one, past tense. The credit card company cancelled it.

曾经有，已经是过去了。信用卡公司取消了。

B: Ah ha, I think we’ve just found the crux of the problem.

哈哈！我想我们已经发现了问题的关键了。