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  • Hi, there. My name is Ronnie. Welcome to the lesson on how to pay with a debit or credit

  • card. One thing that might be a little bit difficult when you're shopping is understanding

  • what the machine says when you want to pay with a bank card, a debit card, or a credit

  • card. So as an example, this is a credit card. It's not, but it'll suffice. It'll do.

  • So this is actually a points card for movies. If you like to go to the movies, you can get

  • a Scene card. And if you spend lots of money in the movie theater,

  • you can watch a movie for free.

  • The first thing that the person's going to do is they're going to give you a machine,

  • or a machine will be at the checkout or the cash register. Oh, hi, machine. The very,

  • very first thing that the machine will say -- it will say, "Swipe or insert". These are

  • verbs. The first verb, "swipe" -- what you have to do is you have to take the black strip

  • -- and "swipe" means to quickly push it through or pull it through a machine. So you're going

  • to be, like -- you can make this noise if you want.

  • Now, the thing that confuses me all the time is sometimes, I have to put my card in so

  • the black stripe is towards me. Some machines, you have to put it so that the black stripe

  • is away from you. The people never tell you, and you -- what's happening? Other way. Thanks.

  • So maybe you are able to swipe your card. Perfect. So you're going to -- verb -- "swipe"

  • the card.

  • The other option, "insert" -- this card does not have one, but this is card a "chip". It's

  • like a microchip. And you actually insert or put the card into the bottom of the machine.

  • So "swipe" means to do this action. I don't know how to spell [swipe sound] -- but "insert"

  • means to stick it in, to put in. So you're actually going to put it in the machine, or

  • put your card in the machine.

  • The next thing that will happen is you probably have to keep your card in the machine if it's

  • inserted. If it's swiped, you usually take your card back. They're going to ask you to

  • verify the amount. So on the little computer screen, it'll say, "Amount: $42.75 Ok?" It's

  • your chance to press the "ok" button. Now, if you decide that maybe the price is wrong

  • or the person has typed it in wrong, you have to option to press "cancel". "Cancel" means

  • no. Not going to happen. No. I'm sorry. "Ok" means "yes". It'll tell you the amount "$42.75

  • Ok?" You then press "Ok".

  • The next screen that will come up will look like this: "Che Sav". What is "Che Sav"? These

  • are two different kinds of bank accounts that are common around the world. The first one

  • is "chequing", and the second one is "savings". Now, a chequing account means that you can

  • write cheques. Cheques are like paper money. If you ever have to pay rent, you're going

  • to use a cheque. A savings account -- more like a spending account -- is you can't write

  • cheques through it. They're usually cheaper and more efficient in banks than a chequing

  • account. Some people have two bank accounts. Maybe you have a chequing account and a savings

  • account. And maybe you have to keep a certain amount of money in one of these. So you get

  • to choose which account your money comes out of.

  • The next step it's going to say is, "enter pin". Pin? Safety pin? What's a "pin"? Your

  • "pin" is your "personal identity number". So it's usually for numbers. Mine is "777"

  • -- oh, no. Not going to tell you. Enter your pin number. So you put in your pin number.

  • Now, sometimes -- this happens to me a lot -- I try to swipe or I try to insert my card,

  • and I have to tell the person -- I have to say, "I didn't work." So it means that this

  • black band at the back -- it's not being read by the machine. The machine does not understand

  • this. Some people have techniques where they take a piece of paper, and they put the card

  • through again. If your card is very old or dirty like mine, maybe it doesn't work as

  • well. That's why the chip is really, really helpful where you insert it in. But anyways,

  • sometimes, if it doesn't work, you have to start again. Okay?

  • So you're going to enter your pin number.

  • Now, maybe you forget your pin number. It might tell you "wrong pin", so it means, "Mistake!

  • Oh, no!" It'll say, "Re-enter pin." "Re-enter" means you do the number again. Hopefully,

  • it's okay. Maybe you need to say to the person, "It didn't work." So they have to cancel the

  • transaction. You get to do it again. Hopefully, your pin has worked because you remember it.

  • You enter your pin number. And most machines, at the end of the pin number, you have to

  • press "ok". Then, all the magic happens. All the money comes out of your account. And you'll

  • get a message that says, "Processing. Do not remove card." This means don't take your card

  • out if it's inserted. If it's a swipe card, there's no problem. But if you take the card

  • out when it's processing, it means it's working; it's taking your money from your bank account.

  • You can't remove it. Okay? You have to wait until you get this message. It'll say,

  • "Transaction complete" or "completed". "Remove card. I don't have to tell you how important this

  • is. Twice, I have forgotten to remove my card. So I went home, and I said, "Oh, no. Where's

  • my debit card?" I had to go back to the store, and it was there. I was so lucky. Two times

  • that's happened. How many times has it happened to you?

  • Using a credit card is almost exactly the same idea. You're going to swipe it or insert

  • it. It's going to ask you the amount. When you use a credit card, you will not have a

  • chequing or savings option. But you will probably have to enter a pin number. It'll tell you

  • again, "Processing", and then, "Transaction complete."

  • Some banks offer an option called "tap and go" or "pay as you go" where you just touch

  • the credit card to a censor, and it subtracts money from your bank account.

  • I don't trust that one.

  • Another thing -- a very bad thing, a very tragic thing that could happen when you are

  • paying with your debit or your credit card is you could get a message -- instead of it

  • saying, "Transaction complete. Remove card", you could get one of these ones. This one

  • says, "Incomplete transaction. Please try again." An "incomplete transaction" means

  • it did not work. There was a problem. There could have been a problem with your chequing

  • or savings. You could've entered the wrong pin number. Many mistakes happen. And maybe

  • it wasn't your fault. Maybe it was the bank's fault. So it'll say, "Please try again." Guess

  • what? You probably would have to enter "chequing or savings" again and your pin number.

  • One of them -- and the last one that I will teach you today -- is a very, very terrible

  • one. The horror, the shock! It is called "insufficient funds" "insufficient funds" means there's

  • no money in your bank account, so the transaction would be incomplete. You don't have enough

  • money in your bank account to pay for what you wanted to buy. That's a problem with you

  • and your bank. So my advice is to get a job. Get some money. Make sure you've got lots

  • of it in your bank account before you go shopping. If you like shopping, next time you go, try

  • and pay with a credit or a debit card. See if you can do it. I hope so. Goodbye.

Hi, there. My name is Ronnie. Welcome to the lesson on how to pay with a debit or credit

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A2 初級 美國腔

學習真正的英語--如何使用DEBIT或CREDIT卡支付。 (Learn Real English - How to pay with DEBIT or CREDIT CARDS)

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    謝文豪 發佈於 2021 年 01 月 14 日
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