求教一下一段关于信用卡的翻译

    There are many evils associated with credit cards, but there are benefits that are hard to ignore.
    One benefit is having the credit card company act in your behalf to recover funds from a disputed transaction. Under the Fair Credit Billing Act the credit card company has to investigate the dispute and either take the charge off your bill or explain why it is correct. Even better,you don't have to pay the portion of the credit-card bill or related interest charges while the dispute is being investigated.

尽管信用卡有许多弊端，但好处也不可小视。
好处之一是让信用卡公司代表你的利益从有争议的交易中收回资金。根据公平信用记帐法，信用卡公司必须调查这类争议，要么将其核销，要么解释其正确性。更有利的是，在调查这类争议期间，你甚至不必支付信用卡帐单或相关利息费用的一部分。

供参考，呵呵！

论坛币嘛，就免了吧！

与信用卡有关的弊端很多，但也有很多都难以忽视的益处。
    有一个好处是在您的信用卡公司的名义采取行动，恢复一个有争议的交易金额。根据公平信用法的信用卡结算公司进行调查争议，要么采取把你开单费或解释为什么它是正确的。更妙的是，而争议正在调查中，你不必交纳的信用卡帐单或相关利息费用的一部分。

信用卡的应用带来了许多困难，尽管也带来了丰厚的利润。
One benefit is having the credit card company act in your behalf to recover funds from a disputed transaction.
一部分利润来自：公司用信用卡（或者发卡公司）以您的名义从有争议的款项中获益。
Under the Fair Credit Billing Act the credit card company has to investigate the dispute and either take the charge off your bill or explain why it is correct.
规范的交易情形是:发卡行对争议款项进行核查，要么取消该交易要么解释清楚缘由
Even better,you don't have to pay the portion of the credit-card bill or related interest charges while the dispute is being investigated.
最好是在争议调查时您不必缴纳账单或者相关利息费用。