信用不好的人可能很难申请信用卡，但是现在没问题了。
亚马逊针对那些信用评分不是很高的人推出了一款新的信用卡，计划让人们存入可退还的保证金来设定总限额。
合作的同步银行（SynchronyBank）会收取保证金并给你信贷额度。
之后人们就可以在亚马逊上用新的信用卡来消费，没有手续费，还可以根据消费金额获得不同的免息优惠。
这个信用卡的年利率为28.24%。
这个项目的意图是吸引新的消费者，鼓励他们去亚马逊上消费并及时还款，可以提高他们的信用评分，这样就有机会取得另一张不需要全额预付信用额度的新卡。
Hover a word for its pinyin & meaning; click to pin it.
narration saved locally, offline — from https://download.mandarinbean.com/audio?source=aHR0cHM6Ly90cmFmZmljLmxpYnN5bi5jb20vbGVhcm5jaGluZXNlL0FtYXpvbl9sYXVuY2hlc19jcmVkaXRfY2FyZF8tXzYwNzYubXAz&filename=Amazon-launches-credit-card.mp3&signature=c7b9ac6cf01def428ca47595c7234fd4412144a6b4e07c46a0043c842fd29173
| Chinese | Pinyin | English |
|---|---|---|
| 信用 | xìn yòng | trustworthiness / (commerce) credit |
| 不 | bù | no; not so |
| 好 | hǎo | good / appropriate; proper |
| 的 | de | possessive particle (of; 's) / modifying particle (used after an attribute to modify a noun or to form a nominal expression) |
| 人 | rén | person; people |
| 可能 | kě néng | might (happen) / maybe / perhaps |
| 很 | hěn | very; quite |
| 难 | nán | difficult (to...) / difficult |
| 申请 | shēn qǐng | to apply for sth |
| 信用卡 | xìn yòng kǎ | credit card |
| 但是 | dàn shì | but; however |
| 现在 | xiàn zài | now; at present; currently |
| 没 | méi | (negative prefix for verbs) have not; not |
| 问题 | wèn tí | question / problem / issue / topic |
| 了 | le | (completed action marker) / (modal particle indicating change of state, situation now) |
| 亚马逊 | Yà mǎ xùn | Amazon |
| 针对 | zhēn duì | to target; to focus on; to be aimed at or against; in response to |
| 那些 | nà xiē | those |
| 评分 | píng fēn | grade / score (of student's work) |
| 是 | shì | to be (followed by substantives only) |
| 高 | gāo | high / tall / above average / loud |
| 推出 | tuī chū | to release / to launch / to publish / to recommend |
| 一 | yī | one / single / a (article) |
| 款 | kuǎn | classifier for versions or models (of a product) |
| 新 | xīn | new; newly |
| 计划 | jì huà | plan / project / program |
| 让 | ràng | to permit / to let sb do sth / to have sb do sth / to make sb (feel sad etc) |
| 人们 | rén men | people |
| 存入 | cún rù | to deposit (e.g. in a bank account) |
| 可 | kě | (prefix) can; may; able to; -able |
| 退还 | tuì huán | to return (sth borrowed etc); to send back; to refund; to rebate |
| 保证金 | bǎo zhèng jīn | earnest money / cash deposit / bail / margin (in derivative trading) |
| 来 | lái | (between two verbs) in order to |
| 设定 | shè dìng | to set / to set up / to install |
| 总 | zǒng | (bound form) general; overall |
| 限额 | xiàn é | quota; limit (upper or lower) |
| 合作 | hé zuò | to cooperate; to collaborate; to work together |
| 同步银行 | tóng bù yín háng | Synchrony Bank |
| 会 | huì | to be likely to; to be sure to |
| 收取 | shōu qǔ | to receive / to collect |
| 并 | bìng | and / together with |
| 给 | gěi | to give |
| 你 | nǐ | you |
| 信贷 | xìn dài | credit / borrowed money |
| 额度 | é dù | quota / (credit) limit |
| 之后 | zhī hòu | after; behind / (at the beginning of a sentence) afterwards; since then |
| 就 | jiù | in that case; then |
| 可以 | kě yǐ | can / may / possible / able to |
| 在 | zài | (of sb or sth) to be (located) at |
| 上 | shàng | (noun suffix) on; above |
| 用 | yòng | to use; to make use of; to employ / (coverb) with; using |
| 消费 | xiāo fèi | to consume (goods and services, resources etc) |
| 没有 | méi yǒu | to not have |
| 手续 | shǒu xù | procedure / formalities |
| 费 | fèi | fee / expenses |
| 还 | hái | in addition, also, else, even |
| 根据 | gēn jù | according to / based on |
| 金额 | jīn é | sum of money / monetary value |
| 获得 | huò dé | to obtain; to receive; to get |
| 不同 | bù tóng | different / distinct / not the same / not alike |
| 免息 | miǎn xī | interest-free |
| 优惠 | yōu huì | privilege / discount (price) |
| 这 | zhè | this; these |
| 个 | gè | classifier for people or objects in general |
| 年 | nián | year |
| 利率 | lì lǜ | interest rate |
| 为 | wéi | to take sth as / to act as / to serve as / to behave as / to become / to be / to do |
| 项目 | xiàng mù | item; project; (sports) event |
| 意图 | yì tú | intent / intention |
| 吸引 | xī yǐn | to attract; to appeal to; to fascinate |
| 消费者 | xiāo fèi zhě | consumer |
| 鼓励 | gǔ lì | to encourage |
| 他们 | tā men | they; them |
| 去 | qù | to go, to go to |
| 及时 | jí shí | promptly; without delay |
| 提高 | tí gāo | to raise / to increase / to improve |
| 他们的 | tā men de | their |
| 这样 | zhè yàng | this way; like this; so |
| 有 | yǒu | to have; there is |
| 机会 | jī huì | opportunity / chance / occasion |
| 取得 | qǔ dé | to acquire; to get; to obtain |
| 另 | lìng | other / another / separate |
| 张 | zhāng | classifier for flat objects, sheet / classifier for votes |
| 需要 | xū yào | to need; to want; to demand; to require |
| 全额 | quán é | the full amount |
| 预付 | yù fù | to pay in advance |
| 卡 | kǎ | (loanword) card |