消费返现信用卡 | 口语小本本spoken.cc

[00:00.00]Here to discuss the critical need for 
[00:01.67]more inclusive banking practices 
[00:03.58]in the U.S, is financial expert Radhika Duggal.
[00:06.62]Thanks for joining us Radhika, what does it 
[00:09.27]mean to democratize access to credit?
[00:11.47]Thank you so much for having me, 
[00:13.20]all that means is that we have to help people 
[00:16.77]get their foot in the door of the credit system.
[00:19.60]We have to make sure people 
[00:20.13]don't need to have credit to get credit, 
[00:22.10]you know and the reason for this 
[00:23.50]is our own primary market research at Super, 
[00:26.23]found that 66% of underserved Americans 
[00:28.69]were actually denied access to credit.
[00:30.96]Often times at a time when they 
[00:32.74]needed it most and what this led to 
[00:34.34]was a feeling of financial insecurity. 
[00:36.73]At Super, that is the problem 
[00:39.13]that we are laser focused on solving. 
[00:40.93]Really trying to make sure that people 
[00:42.86]can get access to credit when they need it.
[00:44.37]What inspired you to 
[00:45.81]help people gain access to credit?
[00:47.51]It's really just my own personal history 
[00:50.00]and my family's backstory. I'm literally 
[00:52.31]the product of the American dream.
[00:53.71]My parents emigrated to the U.S, 
[00:55.61]not with a lot of money in their pocket, 
[00:57.42]but because they had access to credit.
[00:59.60]They were able to build up a business, 
[01:01.40]and employ thousands of people 
[01:02.41]who bettered their own lives, 
[01:04.20]and the lives of their communities.
[01:05.25]I worry we're squelching our 
[01:06.66]nation's entrepreneurial spirit, 
[01:08.39]and that's a problem I want to solve.
[01:10.33]Okay, are there any options for those 
[01:12.62]who are typically challenged in this area?
[01:14.82]Well, that's the good part, I'd say that 
[01:17.10]there are three steps folks should follow.
[01:19.14]First they should really understand 
[01:21.23]what drives a credit score, 
[01:22.50]second they should know their 
[01:23.95]own numbers and their own score.
[01:25.54]And third they should check out SuperCash, 
[01:27.29]this is a new product, 
[01:28.99]that just launched that 
[01:30.61]is a debit that acts like a debit card 
[01:32.63]but has the benefits of a credit card.
[01:34.10]With SuperCash, you can access credit 
[01:36.90]for the first time, with no monthly service fee, 
[01:39.28]no minimums, no credit check.
[01:40.82]The best part is you can get up to 10% cash 
[01:43.39]back every time you use the card.
[01:44.94]Thanks Radhika, for more information 
[01:47.17]visit www.super.com/cash.

消费返现信用卡

Fair Access to Credit & Equity-Building Opportunities

Financial Expert Radhika Duggal shares the Critical Need for Fair Access to Credit and Equity-Building Opportunities. For more information visit: www.livesuper.com. Sponsored By: Super.
December 21, 2022

tags: 带货信贷信用金融银行贷款征信

内容

英中
中英
盲听

1

Here to discuss the critical need for more inclusive banking practices in the U.S, is financial expert Radhika Duggal.

显示译文▼

在这里，金融专家拉迪卡·达加尔(印度裔)讨论了美国对更具包容性的银行业务的迫切需求。

2

Thanks for joining us Radhika, what does it mean to democratize access to credit?

显示译文▼

感谢拉迪卡的加入，获取信贷的途径民主化意味着什么?

3

Thank you so much for having me, all that means is that we have to help people get their foot in the door of the credit system.

显示译文▼

非常感谢你们邀请我，这意味着我们必须帮助人们进入信用体系的大门。

4

We have to make sure people don't need to have credit to get credit, you know and the reason for this is our own primary market research at Super, found that 66% of underserved Americans were actually denied access to credit.

显示译文▼

我们必须确保人们不需要信用就能获得贷款，你知道，原因是我们自己在Super公司的主要市场研究发现，实际上有66%得不到充分服务的美国人被拒绝获得贷款。

5

Often times at a time when they needed it most and what this led to was a feeling of financial insecurity.

显示译文▼

通常(被拒时)是在他们最需要钱的时候，这导致了一种财务上的不安全感。

6

At Super, that is the problem that we are laser focused on solving. Really trying to make sure that people can get access to credit when they need it.

显示译文▼

在Super公司，这是我们专注于解决的问题。努力确保人们在需要的时候能够获得贷款。

7

What inspired you to help people gain access to credit?

显示译文▼

是什么激发你帮助人们获得信贷?

8

It's really just my own personal history and my family's backstory. I'm literally the product of the American dream.

显示译文▼

这真的只是我自己的个人历史和我家庭的背景故事。(现在的)我真的是美国梦的产物。

9

My parents emigrated to the U.S, not with a lot of money in their pocket, but because they had access to credit.

显示译文▼

我的父母移民到美国时，并没有很多钱在口袋里，而是因为他们可以获得信贷。

10

They were able to build up a business, and employ thousands of people who bettered their own lives, and the lives of their communities.

显示译文▼

他们能够建立起一家企业，雇佣了成千上万的人，这些人改善了他们自己的生活，也改善了他们社区的生活。

11

I worry we're squelching our nation's entrepreneurial spirit, and that's a problem I want to solve.

显示译文▼

我担心我们正在压制我们国家的创业精神，这是我想要解决的问题。

12

Okay, are there any options for those who are typically challenged in this area?

显示译文▼

好的，对于那些在这方面有困难的人有什么选择吗?

13

Well, that's the good part, I'd say that there are three steps folks should follow.

显示译文▼

好吧，这部分很有必要讲一下，我想说，人们应该遵循三个步骤。

14

First they should really understand what drives a credit score, second they should know their own numbers and their own score.

显示译文▼

首先，他们应该真正了解信用评分的驱动因素，其次，他们应该了解自己的数字和分数。

15

And third they should check out SuperCash, this is a new product, that just launched that is a debit that acts like a debit card but has the benefits of a credit card.

显示译文▼

第三，他们应该看看(我公司的产品)SuperCash，这是一个新产品，刚刚推出，这是一个借记卡，它的功能像借记卡，但有信用卡的好处。

16

With SuperCash, you can access credit for the first time, with no monthly service fee, no minimums, no credit check.

显示译文▼

有了SuperCash，你可以第一次获得信贷，没有每月服务费，没有最低限额，没有信用检查。

17

The best part is you can get up to 10% cash back every time you use the card. - Thanks Radhika, for more information visit www.super.com/cash.

显示译文▼

最棒的是你每次使用卡都可以得到高达10%的返现。 - 谢谢拉迪卡，更多信息请访问www.super.com/cash。

1

在这里，金融专家拉迪卡·达加尔(印度裔)讨论了美国对更具包容性的银行业务的迫切需求。

显示原文▼

Here to discuss the critical need for more inclusive banking practices in the U.S, is financial expert Radhika Duggal.

2

感谢拉迪卡的加入，获取信贷的途径民主化意味着什么?

显示原文▼

Thanks for joining us Radhika, what does it mean to democratize access to credit?

3

非常感谢你们邀请我，这意味着我们必须帮助人们进入信用体系的大门。

显示原文▼

Thank you so much for having me, all that means is that we have to help people get their foot in the door of the credit system.

4

我们必须确保人们不需要信用就能获得贷款，你知道，原因是我们自己在Super公司的主要市场研究发现，实际上有66%得不到充分服务的美国人被拒绝获得贷款。

显示原文▼

We have to make sure people don't need to have credit to get credit, you know and the reason for this is our own primary market research at Super, found that 66% of underserved Americans were actually denied access to credit.

5

通常(被拒时)是在他们最需要钱的时候，这导致了一种财务上的不安全感。

显示原文▼

Often times at a time when they needed it most and what this led to was a feeling of financial insecurity.

6

在Super公司，这是我们专注于解决的问题。努力确保人们在需要的时候能够获得贷款。

显示原文▼

At Super, that is the problem that we are laser focused on solving. Really trying to make sure that people can get access to credit when they need it.

7

是什么激发你帮助人们获得信贷?

显示原文▼

What inspired you to help people gain access to credit?

8

这真的只是我自己的个人历史和我家庭的背景故事。(现在的)我真的是美国梦的产物。

显示原文▼

It's really just my own personal history and my family's backstory. I'm literally the product of the American dream.

9

我的父母移民到美国时，并没有很多钱在口袋里，而是因为他们可以获得信贷。

显示原文▼

My parents emigrated to the U.S, not with a lot of money in their pocket, but because they had access to credit.

10

他们能够建立起一家企业，雇佣了成千上万的人，这些人改善了他们自己的生活，也改善了他们社区的生活。

显示原文▼

They were able to build up a business, and employ thousands of people who bettered their own lives, and the lives of their communities.

11

我担心我们正在压制我们国家的创业精神，这是我想要解决的问题。

显示原文▼

I worry we're squelching our nation's entrepreneurial spirit, and that's a problem I want to solve.

12

好的，对于那些在这方面有困难的人有什么选择吗?

显示原文▼

Okay, are there any options for those who are typically challenged in this area?

13

好吧，这部分很有必要讲一下，我想说，人们应该遵循三个步骤。

显示原文▼

Well, that's the good part, I'd say that there are three steps folks should follow.

14

首先，他们应该真正了解信用评分的驱动因素，其次，他们应该了解自己的数字和分数。

显示原文▼

First they should really understand what drives a credit score, second they should know their own numbers and their own score.

15

第三，他们应该看看(我公司的产品)SuperCash，这是一个新产品，刚刚推出，这是一个借记卡，它的功能像借记卡，但有信用卡的好处。

显示原文▼

And third they should check out SuperCash, this is a new product, that just launched that is a debit that acts like a debit card but has the benefits of a credit card.

16

有了SuperCash，你可以第一次获得信贷，没有每月服务费，没有最低限额，没有信用检查。

显示原文▼

With SuperCash, you can access credit for the first time, with no monthly service fee, no minimums, no credit check.

17

最棒的是你每次使用卡都可以得到高达10%的返现。 - 谢谢拉迪卡，更多信息请访问www.super.com/cash。

显示原文▼

The best part is you can get up to 10% cash back every time you use the card. - Thanks Radhika, for more information visit www.super.com/cash.

1

Here to discuss the critical need for more inclusive banking practices in the U.S, is financial expert Radhika Duggal.
2

Thanks for joining us Radhika, what does it mean to democratize access to credit?
3

Thank you so much for having me, all that means is that we have to help people get their foot in the door of the credit system.
4

We have to make sure people don't need to have credit to get credit, you know and the reason for this is our own primary market research at Super, found that 66% of underserved Americans were actually denied access to credit.
5

Often times at a time when they needed it most and what this led to was a feeling of financial insecurity.
6

At Super, that is the problem that we are laser focused on solving. Really trying to make sure that people can get access to credit when they need it.
7

What inspired you to help people gain access to credit?
8

It's really just my own personal history and my family's backstory. I'm literally the product of the American dream.
9

My parents emigrated to the U.S, not with a lot of money in their pocket, but because they had access to credit.
10

They were able to build up a business, and employ thousands of people who bettered their own lives, and the lives of their communities.
11

I worry we're squelching our nation's entrepreneurial spirit, and that's a problem I want to solve.
12

Okay, are there any options for those who are typically challenged in this area?
13

Well, that's the good part, I'd say that there are three steps folks should follow.
14

First they should really understand what drives a credit score, second they should know their own numbers and their own score.
15

And third they should check out SuperCash, this is a new product, that just launched that is a debit that acts like a debit card but has the benefits of a credit card.
16

With SuperCash, you can access credit for the first time, with no monthly service fee, no minimums, no credit check.
17

The best part is you can get up to 10% cash back every time you use the card. - Thanks Radhika, for more information visit www.super.com/cash.