Checking an unfamiliar statement charge | Learn Chinese in English

About This Lesson

Use Checking an unfamiliar statement charge to practice Chinese conversation, pronunciation, vocabulary, grammar, and quizzes.

Dialogue

我注意到对账单上有一笔我不认识的扣款。

Wǒ zhùyì dào duìzhàngdān shàng yǒu yì bǐ wǒ bú rènshi de kòukuǎn. I noticed a charge on my statement that I don't recognize.

我们核对商户描述后，可以发起争议。

Wǒmen héduì shānghù miáoshù hòu, kěyǐ fāqǐ zhēngyì. We can open a dispute after we check the merchant description.

描述很模糊，所以我看不出这笔扣款来自哪里。

Miáoshù hěn móhu, suǒyǐ wǒ kàn bù chū zhè bǐ kòukuǎn láizì nǎlǐ. The description is vague, so I can't tell where it came from.

有些支付处理商使用的名称，和顾客看到的店名不一样。

Yǒuxiē zhīfù chǔlǐshāng shǐyòng de míngchēng, hé gùkè kàndào de diànmíng bù yíyàng. Some processors use a name that looks different from the shop customers see.

在提交正式争议之前，我会查看最近的收据。

Zài tíjiāo zhèngshì zhēngyì zhīqián, wǒ huì chákàn zuìjìn de shōujù. I'll check my recent receipts before filing a formal dispute.

如果你认出这笔扣款，就可以避免延误。

Rúguǒ nǐ rènchū zhè bǐ kòukuǎn, jiù kěyǐ bìmiǎn yánwù. That can prevent delays if you recognize the charge.

如果还是不清楚，我希望对这笔交易进行调查。

Rúguǒ háishì bù qīngchu, wǒ xīwàng duì zhè bǐ jiāoyì jìnxíng diàochá. If it still isn't clear, I want the transaction investigated.

我们会记录你的疑虑，并开始审核。

Wǒmen huì jìlù nǐ de yílǜ, bìng kāishǐ shěnhé. We'll document your concern and start the review.

Word by Word

我 “我” refers to the speaker as the person who noticed the charge. It is used before the verb in “我注意到对账单上有一笔我不认识的扣款”. Use “我” when talking about your own action, opinion, or situation.

注意到 “注意到” means to notice or become aware of something. Here it introduces the charge the speaker found on the statement: “我注意到对账单上有一笔我不认识的扣款”. It commonly takes the thing noticed directly after it.

对账单 “对账单” means an account statement, the document showing account activity. In “对账单上”, it is the surface or record on which the charge appears. It is useful when discussing payments, balances, or account records with a bank.

上 In “对账单上”, “上” marks something appearing on a document or surface. The charge is shown on the account statement. This location pattern can be reused with a document or screen followed by “上”.

有 “有” presents the existence of something: “对账单上有一笔我不认识的扣款” means that there is a charge on the statement. In this sentence it is not expressing possession. It commonly follows a place or document to say what is found there.

笔 “笔” is the classifier used in “一笔我不认识的扣款” for a transaction or monetary amount. It helps count the charge as one transaction. In financial contexts, it commonly appears after a number and before a transaction-related noun.

不 In “我不认识的扣款”, “不” negates “认识”, showing that the speaker does not recognize the charge. It appears before the verb being negated. This same position is used when denying a present or general recognition or familiarity.

认识 In “我不认识的扣款”, “认识” means recognize or be familiar with. The speaker does not identify the charge as something familiar. It can be used after a person or “我” to describe recognition or familiarity with someone or something.

的 Here “的” links the description “我不认识” to the noun “扣款”, forming “我不认识的扣款”. The preceding clause identifies which charge is meant. This is a common pattern for placing a description before a noun.

扣款 “扣款” means a charge or debit taken from an account. In “一笔我不认识的扣款”, it is the financial transaction that the speaker cannot identify. It is useful when discussing money deducted from a bank or payment account.

我们 “我们” refers to the bank support staff and the organization they represent in “我们核对商户描述后，可以发起争议”. It is the subject of the staff’s proposed action. Use “我们” when speaking for yourself together with another person or group.

核对 “核对” means to check something against information or records in order to verify it. Here the staff will check the merchant description: “我们核对商户描述后”. It commonly takes the item being verified directly after it.

商户 “商户” means the merchant or business connected with a payment. In “商户描述”, it specifies that the description is associated with the merchant. It is especially useful in payment, banking, and transaction discussions.

描述 “描述” means a description or the wording used to identify something. In “核对商户描述”, it is the merchant information shown for the charge. It can be used before a noun to describe information about what is being identified.

后 In “核对商户描述后”, “后” means after the checking has been completed. The phrase places the later action, “可以发起争议”, after that step. It commonly follows an action to form an after-action time expression.

可以 In “可以发起争议”, “可以” means can or may, indicating that the action is possible or allowed after the description is checked. It is placed before the action. It commonly introduces a verb phrase describing what someone can do.

发起 “发起” means to initiate or formally start an action. In “发起争议”, it describes opening a dispute with the bank. It is commonly followed by an organized action or process that someone starts.

争议 “争议” means a dispute or formal disagreement about something. In “发起争议”, it refers to the banking process for challenging the charge. It is useful in formal discussions about disputed transactions or claims.

很 In “很模糊”, “很” marks a high degree and makes the description “very vague” or “quite unclear”. It comes before the describing word. The pattern “很” plus a description is common when stating how something appears.

模糊 “模糊” means vague or unclear. Here “描述很模糊” says that the wording does not provide enough information to identify the source of the charge. It can describe information, wording, or an image that is difficult to make clear.

所以 “所以” introduces the result of the preceding reason: “描述很模糊，所以我看不出这笔扣款来自哪里”. The vague description leads to difficulty identifying the charge. It commonly connects a reason with its consequence.

看 In “看出”, “看” contributes the idea of looking or seeing, but the whole expression means to discern or figure out. Here it is used in “我看不出这笔扣款来自哪里”. This pattern is useful when trying to determine information from what you see.

出 In “看出”, “出” completes the result expression and indicates that the information becomes discernible. “看不出” therefore means cannot tell or cannot figure out, as in “我看不出这笔扣款来自哪里”. It should be understood together with “看” in this use.

这 “这” means this and points to the specific charge under discussion in “这笔扣款来自哪里”. It identifies the nearby or currently discussed transaction. It commonly comes before a classifier and noun.

来自 “来自” means come from or originate from. Here “这笔扣款来自哪里” asks where the charge originated. It commonly comes before the source or place from which something comes.

哪里 “哪里” means where. In “来自哪里”, it asks about the origin of the charge within the embedded question. It can be used after a verb or expression that asks about a location or source.

有些 “有些” means some, referring to part of a group rather than all of it. In “有些支付处理商”, it says that only certain payment processors use this kind of name. It commonly comes before the plural or general noun being limited.

支付处理商 “支付处理商” means a payment processor, the company or service handling payment processing. In this expression, “支付” identifies the payment context and “处理商” identifies the processing company; together they form the complete role. It is useful when explaining why a payment statement name may differ from the shop name.

使用 “使用” means use or employ. In “支付处理商使用的名称”, it describes the name that the processor uses. It commonly takes the thing being used directly after it.

名称 “名称” means a name or designation. Here it is the name used by the payment processor in “支付处理商使用的名称”. It is suitable for formal or administrative names shown in records.

和 In “名称，和顾客看到的店名不一样”, “和” connects the processor’s name with the shop name for comparison. The complete pattern shows that the two names are not the same. It commonly links two people, things, or descriptions being compared.

顾客 “顾客” means customer. In “顾客看到的店名”, it identifies the people who see the shop name when dealing with the shop. It is useful when discussing a business from the customer’s point of view.

看到 “看到” means see or come to see something. In “顾客看到的店名”, it describes the shop name visible to customers. It commonly takes the thing seen after it or modifies a noun with “的”.

店名 “店名” means the name of a shop or store. Here it is the name customers see, contrasted with the payment processor’s statement name. It is useful when identifying a business by the name displayed at the shop.

一样 “一样” means the same or alike. In “和顾客看到的店名不一样”, the preceding “不” makes the full expression mean different from the shop name. The comparison pattern “和……一样” or its negated form describes whether two things match.

在 In “在提交正式争议之前”, “在” introduces the time frame before a planned action. The whole phrase means before filing the formal dispute. It commonly appears before an action followed by “之前” or another time expression.

提交 “提交” means submit or file something formally. In “提交正式争议”, it describes sending the formal dispute into the banking process. It commonly takes a document, request, or formal case as its object.

正式 “正式” means formal or official. In “正式争议”, it distinguishes the formal dispute process from the earlier checking of receipts. It commonly appears before a noun to describe an official step or procedure.

之前 “之前” means before. In “在提交正式争议之前”, it places checking the receipts earlier than submitting the dispute. It commonly follows an action or event to create a time expression.

会 In “我会查看最近的收据”, “会” indicates a future or intended action: the speaker will check the receipts. It comes before the verb. This pattern is useful when stating what someone expects or plans to do.

查看 “查看” means check or inspect, often by looking at information or records. Here the speaker will inspect “最近的收据” before filing the dispute. It commonly takes a document, record, or displayed piece of information as its object.

最近 “最近” means recent in “最近的收据”, referring to receipts from the latest relevant period. It comes before “的” and the noun it describes. It is useful when narrowing a search to the latest records.

收据 “收据” means receipt, a record of a purchase or payment. In “查看最近的收据”, the receipts are checked to see whether they explain the unfamiliar charge. It is useful when matching purchases with account transactions.

如果 “如果” introduces a condition in “如果你认出这笔扣款，就可以避免延误”. It means if and sets up the situation that leads to the result. It commonly appears at the beginning of a conditional clause.

你 “你” refers to the person being addressed. Here the banking staff uses it for the customer in “如果你认出这笔扣款”. It is used before the customer’s action or state.

认出 “认出” means recognize or identify something after seeing or checking it. In “认出这笔扣款”, it means identify the charge as one the customer knows. It commonly comes before the person or thing that is recognized.

就 In “如果你认出这笔扣款，就可以避免延误”, “就” introduces the result that follows the condition. It can be understood as then or in that case. The pattern “如果……，就……” connects a condition with its consequence.

避免 “避免” means avoid or prevent something unwanted. Here “避免延误” means prevent a delay in the dispute or review process. It commonly comes before the problem or negative result to be avoided.

延误 “延误” means a delay, especially a delay in a process or scheduled action. In “避免延误”, it is the problem that may be prevented if the charge is recognized. It is useful in formal discussions about processing or administrative timing.

还是 In “如果还是不清楚”, “还是” means still, showing that the situation remains unclear after checking. It refers to an unresolved condition rather than presenting a choice. It commonly appears before a description or state that continues.

清楚 “清楚” means clear or understandable. In “还是不清楚”, it describes the charge or its source as remaining unclear. It can be used after “不” to say that information is not sufficiently understood.

希望 “希望” means hope or wish. In “我希望对这笔交易进行调查”, it introduces the customer’s requested action in a polite, formal way. It commonly comes before the action or outcome the speaker wants.

对 In “对这笔交易进行调查”, “对” marks the transaction as the matter being acted on. The complete expression means to investigate this transaction. It commonly appears before the object of an action such as checking, discussing, or investigating.

交易 “交易” means transaction. Here “这笔交易” refers to the specific payment recorded on the account. It is useful in banking contexts when referring to a purchase or transfer as a financial event.

进行 In “进行调查”, “进行” means carry out or conduct and forms a formal action phrase with “调查”. It presents the investigation as an organized process. It commonly comes before an activity or procedure that is being conducted.

调查 “调查” means investigate or investigation. In “对这笔交易进行调查”, it refers to examining the transaction to clarify what happened. It is useful when a bank or organization needs to examine an unresolved matter.

记录 In “记录你的疑虑”, “记录” means document or record in writing or in an official system. The staff will preserve the customer’s concern as part of the review. It commonly takes the information or concern being documented as its object.

疑虑 “疑虑” means concern or doubt about something. In “记录你的疑虑”, it refers to the customer’s concern about the unfamiliar charge. It is useful in formal conversations when documenting why someone is uncertain or worried.

并 In “记录你的疑虑，并开始审核”, “并” links two actions performed by the staff. It adds the second action, beginning the review, to the first action of documenting the concern. It is common in formal or written coordination of related actions.

开始 “开始” means begin or start. In “开始审核”, it marks the point at which the review process will commence. It commonly comes before the activity that is starting.

审核 “审核” means review or examine something carefully, often as part of an official process. In “开始审核”, it refers to the bank’s review of the documented concern and transaction. It is useful for administrative, financial, or procedural checking.

Grammar Points

来自 + 名词

扣款来自支付处理商。

Kòukuǎn láizì zhīfù chǔlǐshāng.

The charge comes from the payment processor.

来自表示来源，后面直接接表示来源的人或事物。

看不出 + 名词

看不出店名。

Kàn bù chū diànmíng.

I can't make out the shop name.

看不出表示无法辨认或判断，后面直接接名词。

Chinese Vocabulary

对账单 noun

duìzhàngdān statement

我注意到对账单上有一笔我不认识的扣款。

发起争议 phrase

fāqǐ zhēngyì open a dispute

我们核对商户描述后,可以发起争议。

核对 verb

héduì check; verify

我们核对商户描述后,可以发起争议。

看不出 phrase

kàn bù chū cannot tell; cannot make out

描述很模糊,所以我看不出这笔扣款来自哪里。

扣款 noun

kòukuǎn charge; debit

我注意到对账单上有一笔我不认识的扣款。

来自 verb

láizì come from

描述很模糊,所以我看不出这笔扣款来自哪里。

描述 noun

miáoshù description

我们核对商户描述后,可以发起争议。

名称 noun

míngchēng name

有些支付处理商使用的名称,和顾客看到的店名不一样。

模糊 adj

móhu vague; unclear

描述很模糊,所以我看不出这笔扣款来自哪里。

商户 noun

shānghù merchant

我们核对商户描述后,可以发起争议。

支付处理商 noun

zhīfù chǔlǐ shāng payment processor

有些支付处理商使用的名称,和顾客看到的店名不一样。

注意到 verb

zhùyì dào notice

我注意到对账单上有一笔我不认识的扣款。

Quiz

Spelling

Tap the letters to spell the word.

open a dispute

Show Answer

发起争议

payment processor

Show Answer

支付处理商

come from

Show Answer

来自

vague; unclear

Show Answer

模糊