Tăng hạn mức thẻ tín dụng - Part 3 TOEIC Luyện Thi
Tóm tắt nhanh: Khách yêu cầu tăng credit limit từ USD 5,000 → USD 10,000. 3 câu hỏi: current limit, requested, reason.
Hội thoại
CSR: Hello, Premier Bank. How can I help?
Customer (Sophie): I'd like to request an increase on my credit limit.
CSR: Sure. What's your current limit?
Sophie: USD 5,000.
CSR: And what limit would you like to set?
Sophie: I'd like to double it to USD 10,000.
CSR: OK. What's the reason for requesting the increase?
Sophie: I just got promoted at work, and my salary has gone up. I also have some planned home renovations and want to have enough available credit.
CSR: Got it. Income increase is a strong reason. Have you had any missed payments in the last 12 months?
Sophie: None — I always pay in full.
CSR: Excellent. I'll submit your request for review. You should receive a decision within 5-7 business days.
3 câu hỏi trắc nghiệm
Question 1: What is the customer's current credit limit?
- (A) USD 3,000
- (B) USD 5,000 ✓
- (C) USD 7,000
- (D) USD 10,000
Đáp án: (B) - "USD 5,000".
Question 2: What limit does the customer want?
- (A) USD 8,000
- (B) USD 10,000 ✓
- (C) USD 12,000
- (D) USD 15,000
Đáp án: (B) - "double it to USD 10,000".
Question 3: What is the reason for the increase?
- (A) Recent divorce
- (B) Medical emergency
- (C) Promotion at work ✓
- (D) Bankruptcy
Đáp án: (C) - "got promoted at work".
Từ vựng
| Từ vựng | Nghĩa |
|---|---|
| credit limit | hạn mức tín dụng |
| current limit | hạn mức hiện tại |
| increase | tăng |
| double | gấp đôi |
| just got promoted | vừa được thăng chức |
| salary has gone up | lương đã tăng |
| planned home renovations | sửa nhà theo kế hoạch |
| available credit | tín dụng khả dụng |
| income increase | tăng thu nhập |
| missed payments | trả chậm |
| pay in full | trả hết |
| submit your request | gửi yêu cầu của bạn |
| for review | để xem xét |
| decision | quyết định |
| within 5-7 business days | trong 5-7 ngày làm việc |
| credit limit increase | tăng hạn mức |
| request | yêu cầu |
| available | có sẵn |
| reason | lý do |
Traps
Bẫy 1: Current vs requested limit
- 5k → 10k - đừng nhầm current vs requested khi question order.
Bẫy 2: Multiple reasons
- Reason CÓ nhiều cái (promotion + home renovations). Chọn cái ưu tiên nhất.
Bẫy 3: Payment history
- "None missed" = no negative - strengthen reason.
Topic: Credit limit increase request từ USD 5k → USD 10k sau promotion.
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