求翻译Twenty-nine, ninty nine.Cash or charge

Salesperson: Can I help you, Sir?
Will: No thanks, I'm just looking. Well, just out of curiosity, how much is that necklace?
Salesperson: Twenty-nine, ninty nine.
中的20,99是什么意思?
Salesperson: Cash or charge, Sir?
Will: Charge, please. Do you accept Discover?
Salesperson: Yes, we do.
Cash or charge付费还是记账。西方买东西记账什么意思?是用信用卡吗?

Twenty-nine, ninty nine 是29美元99美分,dollars 和 cents 都省略了。cash or charge 是支付现金还是记账,记账就是用信用卡来支付,并可以透支。这是鼓励消费的手段。
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