自动取款机被投入使用，其中一些也能为信用卡持有者使用。

Cash dispensers are used and some are also available to credit card holders.

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目前，只有百分之二十的信用卡持有者缴纳年费，但专家认为，这将会改变。

At present, only 20 percent of card issuers have annual fees, but experts think that will change soon.

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当信用卡持有者联系银行或者信用卡公司以阻止一笔账户付款时，退单拒付即产生。

A chargeback occurs when a credit card holder contacts his bank or credit card company to dispute a charge on his account.

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