I'd like to apply for a credit card . Can you help me with my application ?
neutral
user
I'd be glad to .
neutral
assistant
I'm afraid that I don't have a credit history . I just came to this country .
neutral
user
Do you have an account with this bank ?
neutral
assistant
I'm afraid not .
neutral
user
In that case I highly recommend you apply for a savings and checking account also . That would help with your credit card application .
neutral
assistant
What is the interest rate on your card ?
neutral
user
The annual charge rate is 9.5 % .
neutral
assistant
That's very expensive !
neutral
user
Not really . The credit card is a revolving account . You only pay interest on what you owe .
neutral
assistant
How does the bank bill its customers for credit card charges ?
neutral
user
You will receive a monthly statement with each expenditure itemized .
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assistant
Does the card provide any other benefits ?
neutral
user
You can also get a cash advance up to 1,000 dollars on this card .
neutral
assistant