We are not credit worthy in the eyes of a bank. Our application for a credit card was rejected because we did not score enough points and the reason we did not was because the credit bureau said we made too many attempts to get credit. Oh brother!
The attempts I can think of are (1) trying to apply for a departmental store card because the very kind salesman at the appliances section said we could get additional discount if we apply for a card and it is real easy, the cashier can do it on the spot; (2) trying to buy a cellphone plan for Bert at Cingular. Of course, both were unsuccessful because ?? We got no credit history! No brainer. So folks, we have a catch 22 situation here.
The bank call center is not empowered to reason with customers or to help them in any way, it seems. They kept calling my cellphone and when I returned call, it was only to ask me for all kinds of personal details and then to tell the application had been declined because we did not get enough points on their rating system, blah blah blah. And sorry, we cannot help you because our job is only to tell you the bad news and no ma'am, there is no one here you can talk to, appeal to or commiserate with and no, your letter of introduction is of no interest to us. And thank you for calling our call center. Urg!!! I am about to seriously consider terminating my financial relationship with the bank.
So if you ever want to live in the US, first thing to do, is to quickly take on debt. How counter to the confucian values of thrift and living within your means and saving, always putting aside something for a rainy day. I may be a bit unfair here but my experience tells me I am not too far wrong.
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