answer: #Person1# wants to apply for a credit card and #Person2# recommends #Person1# apply for a savings and checking account and introduces the credit card in detail.
documents: #Person1#: I'd like to apply for a credit card. Can you help me with my application?
  #Person2#: I'd be glad to.
  #Person1#: I'm afraid that I don't have a credit history. I just came to this country.
  #Person2#: Do you have an account with this bank?
  #Person1#: I'm afraid not.
  #Person2#: In that case I highly recommend you apply for a savings and checking account also. That would help with your credit card application.
  #Person1#: What is the interest rate on your card?
  #Person2#: The annual charge rate is 9. 5 %.
  #Person1#: That's very expensive!
  #Person2#: Not really. The credit card is a revolving account. You only pay interest on what you owe.
  #Person1#: How does the bank bill its customers for credit card charges?
  #Person2#: You will receive a monthly statement with each expenditure itemized.
  #Person1#: Does the card provide any other benefits?
  #Person2#: You can also get a cash advance up to 1, 000 dollars on this card.