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A: Hello, welcome to Credit Services。 How can we help you?
B: I'm interested in applying for a credit card with you.
A: Are you an existing customer?
B: Yes, I've had a Current Account with a debit card with you for years。 Now,I'm looking at upgrading to a credit card。
A: May I ask why you didn't think of applying for a credit card with us sooner? Most young people jump at the chance.
B: When I opened the account with you, I was a student, I graduated a couple of years ago and have a steady salary, so I figured now would be the best time to go ahead.
A: That's very sensible of you。 We have many fresh graduates applying for credit cards,getting them and then going on a spending spree and being unable to meet the repayments。
B: As you can see from the statements for my Current Account, I have never been overdrawn. I'm always very careful about that.