Credit Card       Role A:   Applicant Despite your lack of a credit history, you apply for a credit card through a bank...       Role B:   Bank credit officer   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. That would help with your credit card application.   A:  What is the interest rate on your card?   B:  The annual charge rate is 19.5%.   A:  That's very expensive!   B:  Not really. The credit card is a revolving account. You only pay interest on what you owe.   A:  How does the bank bill its customers for credit card charges?   B:  You will receive a monthly statement with each expenditure itemized.   A:  Does the card provide any other benefits?   B:  You can also get a cash advance up to 1,000 dollars with the card.