A: Why don't you apply for a credit card, sir?
B: What benefits can I get from a credit card?
A: You can buy things first and pay the bills later. That's the greatest benefit to our card members.
B: Really? You mean I can use it when there is no money in the card?
A: Yes. You don't have to deposit money in it in advance.
B: Can I use it in all the stores all over the country?
A: Well, not all the stores, but you can use it in most department stores, shopping centers, supermarkets, restaurants and hotels all over the world.
B: That's fantastic!
A: But you have to pay the bills in time every month. Otherwise, our bank will charge you interests.
B: All right. I see. I want to apply for a credit card at once.
A: Well then, please fill out this application form first, and you need to provide some of your personal information.
B: What kind of information?
A: We need information concerning your financial status, occupation and references.
B: That's fine. Is there any charge for the card?
A: No. It's free of charge and there's no annual fee either.
B: Good. Then tell me what documents you need exactly.
A: You have to submit a copy of your ID card or passport, and a certificate of your income issued by your company.
B: No problem. I'll get these documents prepared as soon as possible. Thanks a lot.