[BITList] Another point of view

[HUGH]

John,

I'm neither very rich, not very poor, and my lack of credit card debt has nothing to do with my being a pensioner. I've got a virgin credit card, ie, it's never been used.

Some months back I applied for a credit card from the bank we've used for 40 years - every last penny we've ever earned has been paid into it.  I'd had one from them before, and we'd had two smallish bank loans over that period, both paid off before the time. I wished to book flights and accommodation abroad, and the debit card isn't quite the thing for that. My application was turned down on the grounds that my credit rating was too low.   I asked the bank for details of this credit rating and who worked it out - they did not comply.  No point asking a credit agency - these people only deal with people who have credit cards.  Nonetheless, I get regular spam from every bloody agency I tried to contact. In a bizarre twist, among all the bumf we get by mail there came an unsolicited offer of a credit card from the above bank, so with no formalities I got a credit card I no longer need or want.  They can send me statements for zero till the cows come home at their expense.

Hugh.
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