Not been about properly for a bit due to hospital visits working in new job etc etc BUT i need to have a rant lol
Recently got told Visa Electron is going to be no more for over the counter buying.. If you are a youngster and open an account this sort of card is what you will get....... I used mine online the other night to be asked for ID that i was over 18 and the fact i wasnt money laundering!! It was for a £6 purchase!!
Anyway been in hospital this morning for a mini op and went to town after to go to the bank.. Didnt want an O/D didnt want a loan didnt want a credit card JUST a card i can use!..
" Oh we will do a credit check Miss B..."
" Oh well thats me stuffed as i dont owe anyone and have no credit rating"
" Oh well we will check anyway".... now 2 months ago i tried and i got refused...So he does the check and ..... I pass!!!
I pick myself up from the floor as hes saying to me...
"Oh its said you can also have a credit card as well... but sadly im a mortgage adviser and im not allowed to do this im just helping out so ill have to deny you that and fail you on it..."
"Oh ok i said... i didnt really want one anyway but thanks for nearly giving me one."
He goes and does paperwork for my new bank account.. comes back and says
" Lisa in the next office. (3 yards away!!) has some time and she can do your credit card application even if you dont use it will help you with your credit rating."
"Oh ok thanks.." So off i go to Lisa's office..... to go through all the checks again.......To be denied it!!!!!
" Oh i said. so 3 yards away i get accepted... we go next door same bank same system different person and i get denied"
" Ill speak to my manager etc etc"
" im not too fussed i said i wasnt after one anyway just didnt want a childs account.."
I left...... 15 minutes later.... the mortgage man who was helping out rings me up...
" Miss B.... Your credit card application has been accepted¬"!!!!
I miss the days of personal banking to be honest where one person decided and actually listened to you... Sorry for the rant but ive had my insides cut up today i got told theres a chance of cancer im feeling sorry for myself and needed a moan!!