Monday, August 11, 2014

You have been chosen

This morning the postman brought us a Scott’s of Stow catalogue (one to drool over before filing under X for expensive, and anyway we strolled briefly through their enticing shop only a few weeks ago) and a communication from a minor bank inviting me to apply for a credit card. I struggled for a while to make any sense of it. It informed that I have been “pre-selected to apply” for their plastic. Despite my elevation to the exclusive ranks of those in this apparently privileged position, I nevertheless was expected to complete a mass of questions about my financial position.
Now I can understand being asked to apply for a credit card. Anyone may apply. They then decide whether to accept you. Fair enough. Sometimes financial institutions suggest that I have been selected to apply. This doesn’t mean much, unless there is some form of rationing on the supply of their cards and only those invited to apply are able to do so. But to be pre-selected? I’ve been selected in some sense before other people who are also going to be selected? Baffling. And why me? They must think I am a person of worth and standing, yes? Wrong. Their literature talks of their card being suitable for people needing to establish their credit-worthiness. So I have been pre-selected as being the sort of bloke who pawns his watch on a Friday in order to place a quick bet with a bookie’s runner, take a floozy out to the music hall and blow the remains on a pint of porter on the way home. [These ideas may be a bit dated: Ed]. Well, I’m not happy about it. They might as well address their fancy letter to “Dear Loser” and include such snippets as “Say goodbye to the misery of fighting off brokers’ men and bailiffs” and “Impress your friends by not having your TV repossessed”.
So no shiny new credit card with up to £1000 credit (if my pre-selected application were to be accepted, mind you). But I am left wondering about the people who are merely selected to apply for this particular card. What sort of credit limit would this collection of downbeats, persons of no fixed abode and financial outcasts be offered, if a respectable long-time homeowner such as your correspondent only gets a measly grand to kick off?

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