I'd like to apply for a credit card . Can you help me with my application ?   I'd be glad to .   I'm afraid that I don't have a credit history . I just came to this country .   Do you have an account with this bank ?   I'm afraid not .   In that case I highly recommend you apply for a savings and checking account also . That would help with your credit card application .   What is the interest rate on your card ?   The annual charge rate is 9.5 % .   That's very expensive !   Not really . The credit card is a revolving account . You only pay interest on what you owe .   How does the bank bill its customers for credit card charges ?   You will receive a monthly statement with each expenditure itemized .   Does the card provide any other benefits ?   You can also get a cash advance up to 1,000 dollars on this card . 