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Having Bad Credit 信用不佳 Alisha: This is the second time Ive been turned down for a credit card in a month. I dont know what Im doing wrong. 这是我一个月之内第二次信用卡被拒了。我不知道自己做错了什么。 James: Have you checked your credit report recently? Maybe you have a bad credit rating. 你最近有没有查看信用记录?或许你的信用评级不好。 Alisha: I have a full-time job with a good income, which they can easily verify, and I dont have any outstanding debt, so what could be the problem? 我有一份收入良好的全职工作，他们很容易证实，我也没有未偿付债务，那可能是什么问题呢? James: Have you had a credit card before? 你以前有没有信用卡呢? Alisha: Yes. 有。 James: Did you always make your payments on time? 你有没有及时支付呢? Alisha: Well, no. 哦，没有。 James: Then that may be your answer. Your payment history makes a big difference with the credit bureau. If youve missed payments or been late, thats a big strike against you. 可能就是这个问题了。你的支付历史对信用评定机构有很大影响。如果你未支付或延时支付，对你来说是一个很大的打击。 | 
