No debt......No credit card!!!

[Deleted]

I am finding that debit cards are not welcome abroad, credit cards seems to be the universal currency. So I decided to apply for one.

I have been turned down twice for a credit card due to me having no credit history. I can't remember when I last had a load/debt, at least over ten years.

So no debt history no credit card.....has the world gone mad???

[skintagain]

if you got into debt on a regular basis they would probably give you a credit card, thats how they make their money.

[Shadow]

Something very similar happened to us recently also-we were turned down for a loan due to lack of credit history-even tho Mr Shads has been with the same bank for 15 years and his pay always goes into that account.

Used to be a time you had a chat with the bank manager-now its all computers and the computer said no

[Banshee]

Yes madly you have to have been in debt in order to prove that you can handle debt. A clean state does you no favours.

[Ann1]

I don't have a CC through choice, if I cannot afford it I don't get it till I can I suppose the companies need some sort of "benchmark" to compare against, when deciding who gets credit. Wasn't lending to irresponsible borrowers - sub prime lending - that started off this financial mess most of the worlds' in?

[Shadow]

Ive never had a credit card either-when I first started Uni the banks were pushing them on us-literally stopping you as you entered the door of the building-it was total madness-I wasnt working and was living on my student grant so I refused-mind many didnt

[Banshee]

You will all love this, the brains behind the banks & credit cards:


Note to self: Cancel credit cards prior to death!

Be sure to cancel your credit cards before you die! This is so priceless and so easy to see happening - customer service, being what it is today!

A lady died this past January, and Barclays Bank billed her for February and March for their annual service charges on her credit card, and then added late fees and interest on the monthly charge. The balance which had been £0.00 is now somewhere around £60.00.

A family member placed a call to Barclays Bank:

Family Member:
'I am calling to tell you that she died in January.'

Barclays:
'The account was never closed and the late fees and charges still apply.'

Family Member:
'Maybe, you should turn it over to Collections.'

Barclays:
'Since it is two months past due, it already has been.'

Family Member:
So, what will they do when they find out she is dead?'

Barclays:
'Either report her account to the frauds division or report her to the credit bureau, maybe both!'

Family Member:
'Do you think God will be mad at her?'

Barclays:
'Excuse me?'

Family Member:
'Did you just get what I was telling you ... the part about her being dead?'

Barclays:
'Sir, you'll have to speak to my supervisor.'

Supervisor gets on the phone:
Family Member:
'I'm calling to tell you, she died in January.'

Barclays:
'The account was never closed and the late fees and charges still apply.'

Family Member:
'You mean you want to collect from her estate?'

Barclays:
(Stammer) 'Are you her solicitor?'

Family Member:
'No, I'm her great nephew.'
(Solicitor info. given)

Barclays:
'Could you fax us a certificate of death?'

Family Member:
'Sure.'
(fax number is given)

After they get the fax:

Barclays:
'Our system just isn't set up for death. I don't know what more I can do to help.'

Family Member:
'Well, if you figure it out, great! If not, you could just keep billing her. I don't think she will care.'

Barclays:
'Well, the late fees and charges do still apply.'

Family Member:
'Would you like her new billing address?'

Barclays:
'That might help.'

Family Member:
'Plot Number 1049, Finchley Memorial Cemetery, Great North Road , Finchley, London .'

Barclays:
'Sir, that's a cemetery!'

Family Member:
'Well, what the **** do you do with dead people on your planet?'

[Ann1]

I love it!!!