head /hed/ v. 朝……前进，前往 n. 头
向银行贷款 apply for a loan from the bank
A：To buy a house, I have to apply for a loan from the bank at present.
为了买房子，我目前得向银行申请贷款。
B：Can't your boyfriend help you?
你男朋友不能帮帮你吗？
present /?preznt/ n. 现在，目前；礼物 adj. 出席的；现在的
◆ at present 现在，目前
到银行申请信用卡 apply for a credit card at a bank
A：I think the credit card is very useful. You can use it to pay for things when you don't have cash immediately available.
我觉得信用卡很有用。你手头上没现金的时候可以用它来付钱。
B：Yes, I'm thinking about applying for a credit card at the bank.
