求高手翻译英语课文。

Question

The First Credit Card    Charging for products and services has become a way of life. No longer do people bring cash when they buy a sweater or a large appliance, they charge it. Some people do it for the convenience of not carrying cash;others do it so they can purchase an item they can not yet afford. The credit card that allows them to do this is a twentieth century invention.    In the early 20th century, charge accounts became popular.With automobiles and airplanes,people now had the option to travel to a variety of stores for their shopping needs.In an effort to capture customer loyalty,many stores and gas stations began to offer charge accounts for their customers which could be accessed by a card.Unfortunately people needed to carry dozens of these cards if they were to do a day of shopping.    A credit card that could be used at multiple stores  was  not invented until 1950.It all started when Frank X. McNamara,head of the Hamilton Credit Corporation, and two of his friends went out to supper to discuss a problem customer in 1949.   This particular customer had lent a number of his charge cards  to his poor neighbors who needed items in an emergency.For this service, the man required his neighbors to pay him back the cost of the original purchase plus some extra money.But many of his neighbors were unable to pay him back and he was forced to borrow money from the Hamilton Credit Corporation.    At the end of the meal, McNamara was shocked to discover that he had forgotten his wallet. To his embarrassment, he then had to call his wife and have her bring him some money.    Merging the two concepts from that dinner, the lending of credit cards and not having cash on hand to pay for the meal, McNamara came up with a new idea - a credit card that could be used at multiple locations. He discussed the idea with his two friends and they started a new company called the Diners Club in 1950 .   Instead of individual companies offering credit to their own customers , the Diners Club offer credit to individuals for many companies. the companies who accepted the Diners Club credit card were charged 7 percent for each transaction while the subscribers to the credit card were charged a $3 annual fee.In the beginning, progress was difficult.However, the concept of the card grew and by the end of 1950, 20,000 people were using the Diners Club credit card.     The Diners Club credit card continued to grow more popular and didn't receive competition until 1958. In that year, both American Express and VISA arrived. The concept of a universal credit card had taken root and quickly spread across the world.       

Answer 1

用信用卡支付商品和服务已经成为一种生活方式了。人们已不再带着现金买毛衣（或者运动衫）和大型家用电器了。有人用信用卡是为了图方便；还有些人选择使用信用卡则是因为他们能够买他们现在卖不起的东西（信用卡可以透支，先消费再还款）。信用卡能让人们这样做，这就是21世纪的一大发明。在20世纪初，赊欠帐变得流行。 有了轿车和飞机，人们可以有选择性地旅游，他们可以逛不同的商店以满足购物欲。许多商店和加油站努力赢得客户信赖，他们就开始为用卡的顾客提供赊欠帐。不幸的是，如果他们计划购物一天的话，那么人们需要带着几打（一打12个）的卡。直到1950年，可以在不同商店使用的信用卡才得以发明。1949年，当Frank X. Mc Namara，哈密尔顿信用公司的老板，和他两个朋友一起吃晚饭讨论一个问题客户时，这个想法也就诞生了。由于穷邻居急需一些东西，这位特别（挑剔）的客户借了很多赊账卡给他的穷邻居。就因为这事儿，这男的（也就是这个客户）竟然要求他的邻居还给他原来的钱，外加额外的钱。但是他的邻居中许多人都无力偿还，他也只能够被迫从哈密尔顿信用公司借钱了。 在晚饭快吃完的时候，McNamara十分震惊地发现他忘记了带他的钱包。让他十分尴尬的是，之后他不得不打电话给他的妻子，让他妻子带点钱过来给他。合并了来自于用餐时的两大概念（原则），信用卡的借出和手头没有现金支付饭钱，McNamara想出了个主意：一张信用卡可以在不同地点被使用。他和他两个朋友讨论了这个想法，然后在1950年他们就开了一家叫做“食客俱乐部”（吃货俱乐部）的新公司。 食客俱乐部不是提供信用给他们自己的客户，相反，而是提供信用给许多公司的个体用户。接收食客俱乐部的公司从每次交易中得到（被得到）7%（交易总价的7%），然而信用卡的订户（使用者）每年得到3美元。一开始，进展很不顺。但是，卡的概念不断膨胀，于是在1950年年底之前，竟有20000人使用食客俱乐部信用卡。 食客俱乐部信用卡越来越流行，直到1958年，遇到了竞争对手（收到竞争）。在那一年，American Express 和 VISA 两个出现了（来了）。一张通用的信用卡，这一概念已经得以确立，并且快速传闻世界。

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Answer 2

第一张信用卡支付商品和服务费已经成为一种生活方式。当人们购买大衣或者大型家用电器是不再使用现金，有些人不方便带现金时使用信用卡，有些人可以用信用卡购买他们还不能负担的起的东西。信用卡允许他们这样做是二十一世纪的发明。在20世纪早期，赊欠帐已经开始流行。对汽车和飞机,人们现在可以选择去各种商店购物的需求

Answer 3

第一张信用卡