A：Hello, I'd like to open an account.
B：Which account would you like to open?
A：I'd like to open a savings account. What's the interest rate now?
B：It is 3.2%. You may earn a little interest on money.
A：Is there any minimum deposit for the first time?
B：Yes, the opening minimum deposit is 1,000 Yuan.
A：What about the later deposits?
B：For the later deposits, you can deposit any you want. Even one Yuan is OK.
A：OK, that's good.
B：Your ID, please.
A：Here you are, a thousand Yuan and my ID.
B：Wait a moment, please. Here is your bankbook. Keep it well please.
A：Thanks. I will.
A：I'd like to apply for a credit card. Can you help me with my application?
B：I'd be glad to.
A：I'm afraid that I don't have a credit history. I just came to this country.
B：Do you have an account with this bank?
A：I'm afraid not.
B：In that case I highly recommend you apply for a savings and checking account also. Thatwould help with your credit card application.
A：What is the interest rate on your card?
B：The annual charge rate is 9.