A: Very well, we have settled everything about this transaction, except the terms of payment. B: As you know, we prefer the L/C 20 days in advance which expires 15 days after receiving the paking list. A: I suppose you have known our financial standing and credit well now after our long-term cooperation．We know an irrevocable L/C can ensure that the seller gets payment duly．But, on the other hand, it would increase the buying cost．Therefore, could you consider giving us D/P this time? B: I am sorry．But our rules only allow us to accept other terms of payment by L/C, although the buyer has had two or three transactions with us before. A: But why not if you have known the buyer's credit after several deals? B: We hope you can understand．We have got some serious lessons from the credulity．One of them was through D/P documentary collection．When the shipment worth US ＄50000 was effected, the buyer refused to make the payment．But we can do nothing with it．And that buyer had had one or two deals before this one. A: I see．But the flexible terms of payment will definitely bring you more orders as well as facilitate the buyers' purchasing. B: Sure．We don't mean we won't accept other terms of payment forever．As a matter of fact, we will do so when we have known well about the buyer's credit after a real long-term cooperation.