#0185 – Ways to Pay.pdf - ESL Podcast McQuillan Jeff mp3+PDF - hinatka3991

English as a Second Language Podcast

www.eslpod.com

ESL Podcast 185 – Ways to Pay

GLOSSARY

to ringing (someone) up – to complete a purchase in a store by having the clerk

add up and to provide a total purchase price for payment

* I’d like all three of these pens. Can you right me up?

Your total comes to… – what a sales clerk says to a customer to tell them the

total purchase price

* This one is $12 and this one is $43. Your total comes to $55.

credit card – a small plastic card from a bank or business that allows someone

to buy now and pay later

* I better not bring my credit card with me to the sale, or I may spend too much.

Visa / MasterCard / American Express – three major types of credit cards in the

U.S.

* Do you think they will accept Visa, MasterCard, or American Express?

to be declined – when the bank or business does not allow someone to continue

using their credit card, usually because that person has not paid their bill or they

are over the limit of what they are allowed to spend

* I was so embarrassed when my credit card was declined at the restaurant.

I can’t imagine why – I don’t understand why; it’s not possible; usually said

when a person is surprised about something

* I can’t imagine why she would want to get a job instead of finishing school.

overdrawn – when a person has tried to spend more money than is available in

their account

* We received a notice from the bank that our account was overdrawn last

month.

debit card – a small plastic card that allows a person to pay for items by taking

money out of their bank account electronically

* I have enough money in my bank account so I’ll use my debit card to pay for

this.

These materials are copyrighted by the Center for Educational Development (2006). Posting of

these materials on another website or distributing them in any way is prohibited.

English as a Second Language Podcast

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ESL Podcast 185 – Ways to Pay

cash – money in coins and paper bills

* I don’t like carrying a lot of cash when I’m on vacation.

personal check – a check that takes money from a person’s own individual bank

account; (a check is a piece of paper with the signature of the person who holds

the account for an amount of money; used for payment)

* This store takes credit cards but it doesn’t take personal checks.

bank error – a mistake made by the bank

* Due to a bank error, my account had $200 more than it should!

fee – money paid as part of a service

* I can’t believe how much the phone bill is with all of these new government

fees.

to charge – to require payment or fee

* When I brought my books back to the library, the clerk told me they were one

day late and charged me a small fee.

checkbook – a book of checks that have not yet been written

* Let me get my checkbook and I’ll write you a check for the total amount.

to hold – to reserve; to keep so no other customers can buy it

* Would it be possible for you to hold this dress for me until Wednesday?

ATM – stands for “Automatic Teller Machine”; a machine that can give bank

services, such as automatically giving you cash from your account

* I really needed cash. I drove up and down this street, but I couldn’t find an

ATM.

to come right back – to return immediately

* He came right back to the dinner table after making a phone call in the kitchen.

end of the day – the closing time for business

* Even though the deadline was yesterday, we still had not received the order by

the end of the day.

These materials are copyrighted by the Center for Educational Development (2006). Posting of

these materials on another website or distributing them in any way is prohibited.

English as a Second Language Podcast

www.eslpod.com

ESL Podcast 185 – Ways to Pay

COMPREHENSION QUESTIONS

1. When Peter returns to the store, he’ll pay by

a) writing a check.

b) using another credit card.

c) using cash.

2. Peter thinks that his credit cards were declined because

a) the bank made a mistake.

b) the bank doesn’t like him.

c) he used the ATM.

______________

WHAT ELSE DOES IT MEAN?

to be declined

The phrase “to be declined,” in this podcast, means that a bank or company no

longer allows a person to use their credit card: “His credit card was declined

because he hasn’t paid the bill for two months.” The verb, “to decline,” means to

politely refuse, to say “no.” We often use it with invitations: “He had to decline

the invitation to the dinner party because he was going out of town.” Or, “She

declined our invitation to become a partner in the company.” “To decline” can

also mean to get worse slowly over time: “After a certain age, your general health

might decline.” Or, “It was after she had children that her interest in playing music

started to decline.”

right

In this podcast, the phrase “to come right back” means to return immediately,

usually returning after completing something else. The word, “right,” can be used

generally to mean immediately: “Right after I finish my dinner, I’m going to the

movies.” Another way that the word “right” is used is at the end of a sentence to

informally ask the other person to agree with us or confirm that the information is

correct: “I’ll finish this report and you’ll deliver it, right?” Or, “There will be 20

people here for the meeting, right?”

These materials are copyrighted by the Center for Educational Development (2006). Posting of

these materials on another website or distributing them in any way is prohibited.

English as a Second Language Podcast

www.eslpod.com

ESL Podcast 185 – Ways to Pay

CULTURE NOTE

Many businesses in the U.S. accept credit cards. The two most popular types

are Visa and MasterCard, but many individual stores will have their own credit

card. For example, a department store or electronic store may have their own

credit card that you can apply for and use. That card can only be used at this

store or another one of its chain stores, or stores with the same name and that

has the same management but is in a different location.

How many credit cards you have and how you use them can affect your credit

score. A credit score is a score from 300 to 900 that rates you according to how

much money you owe and how well you pay your bills. There are three main

companies in the U.S. that keeps track of your credit spending and you can

request a copy of your credit report once a year. Your credit score is important

when you want to apply for a large loan, such as a mortgage loan, or loan to buy

a house. If you have a good credit score, the bank may be willing to lend you

more money at a lower interest rate than if you have a bad credit score. An

“interest rate” is the fee that the bank charges for lending you the money. It’s

usually a percentage of the total amount you owe.

How do you get a good credit score? Don’t have too many credit cards, pay your

bills on time, and try to pay off what you owe as quickly as possible.

______________

Comprehension Questions Correct Answers: 1 – c; 2 – a

These materials are copyrighted by the Center for Educational Development (2006). Posting of

these materials on another website or distributing them in any way is prohibited.

English as a Second Language Podcast

www.eslpod.com

ESL Podcast 185 – Ways to Pay

COMPLETE TRANSCRIPT

Welcome to English as a Second Language Podcast Number 185, “Ways to

Pay.”

You’re listening to English as a Second Language Podcast Episode 185. I am

your host, Dr. Jeff McQuillan, coming to you from the Center for Educational

Development in beautiful Los Angeles, California. Remember to visit our website

at eslpod.com for the Learning Guide that goes with this podcast. It includes the

complete transcript, all of the vocabulary, additional definitions and uses, and

cultural notes.

Today’s podcast is about the ways, or manner, that you can pay for something at

a store. Let’s get started.

[start of story]

I was at the store, and when the clerk finished ringing me up, I had a few

problems.

Clerk: Your total comes to $79.42.

Peter: Do you take credit cards?

Clerk: Yes, we take Visa, MasterCard, and American Express.

Peter: Here’s my Visa.

Clerk: Hmm…I’m sorry but your card has been declined.

Peter: Oh, I can’t imagine why. I’m sure it’s just a mistake. Here, use my

MasterCard.

Clerk: Well, sir, it looks like this one is overdrawn, too. Do you have a debit card

or cash? We also accept personal checks.

Peter: Like I said, I think it must be bank error. Yeah, I have a debit card, but I

think there’s a fee for using it, right?

These materials are copyrighted by the Center for Educational Development (2006). Posting of

these materials on another website or distributing them in any way is prohibited.

#0185 – Ways to Pay.pdf

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