1.turn down拒绝

Before this I'd have smiled and turned her down...
在这之前，我本该笑着拒绝她。

2.credit report信用报告

Loans to people who have no personal credit report?
没有贷款的人有个人信用报告吗？

3.outstanding未支付的，未结清的，Money that is outstanding has not yet been paid and is still owed to someone.

The total debt outstanding is $70 billion...
未偿债务总额达700亿美元。

4.on time按时，准时

He will come on time even though it rains.
即使下雨，他还是会准时来的。

5.crux (难题或辩论的)关键，最难点，症结 The crux of a problem or argument is the most important or difficult part of it which affects everything else.

He said the crux of the matter was economic policy.
他说问题的症结在于经济政策。