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1. Câu hỏi
Man: Hey, Rachel. Can I borrow your large suitcase?
Woman: Wait. Why do you need it?
Man: Okay. Get this. Some friends and I are going to Hawaii next week, and my small bag won’t be big enough for (1) (all the souvenirs) I plan to bring home. I’m going to get you some peanuts, too.
Woman: What? How can you afford that? You don’t have a job, you already have an (2) (outrageous)… car payment, and you still owe me $500 for that old car that didn’t last a week.
Man: Hey, those things are behind me. You see, I took out a loan.
Woman: Where? I mean to be honest, your (3) ( credit history) is terrible.
Man: Well, it’s complicated.
Woman: What do you mean complicated? Give it to me straight. Where did you manage to get a loan?
Man: Well, I got a payday loan at a place near our house.
Woman: What? That’s a awful idea.
Man: Ah, you don’t know anything. And you . . . at these places, you can get a loan there quickly without any (4) (hassle)
Woman: Exactly, because they know they can run you dry. [ No. ] I mean they might charge you (5) (over 300%) interest compared to about 12 to 30% interest for a regular credit card. [ Ah!! ] A personal loan at the bank might be even cheaper. [ Yeah, but . . . ] And then people like you get locked into a vicious loan cycle that is almost impossible to escape. Like quicksand.
Man: How do you know so much about payday loans?
Woman: Well, I took out a loan once, and it took me forever to pay it back. So, yeah, how do YOU play to pay it back?
Man: Uh, well, I thought I’d sell my mountain bike or my (6) (comic book) collection, or you could give me the money.
Woman: Yeah, forget it. Not in a million years.