We have many fresh graduates applying for credit cards, getting them and then going on a spending spree and being unable to meet the repayments.

我们见过很多刚毕业的大学生申请信用卡，他们拿到了卡，就开始疵狂消费，却又无法还款。

If a thief gets hold of your card and goes on a spending spree, your bank covers you against fraud.

如果小偷拿到了您的卡并大肆挥霍， 您的银行会保护您免受欺诈。

And if a thief does go on a spending spree with your card, your bank covers you against fraud. Whereas, if someone steals your banknotes, that's your bad luck!

如果小偷真的在用你的卡购物狂欢，银行为你的卡上了防诈骗险。但是，如果有人偷了你的银行卡，那只能说你运气不好了！