6/07/2005 05:09:00 PM|||James O'Malley|||

Just six days into being an adult, and I'm already doing adult things. No, I havn't been buying pornography and mowing the lawn, I've got myself a credit card! Erm... not that I wanted one.

I went into Natwest this morning to cash a big cheque, only to have a woman coerce me out of the queue and into the seating, or "hard sell" area. It all started when I asked her if a debit card version of Visa or Mastercard exists, so that I can buy stuff from American websites without getting myself into loads of debt. They don't exist.

"So... why don't you want a credit card then?"
"Well, I've heard a lot about people getting themselves into a mountain of debt and bankrupting themselves"
"Hmm... well, are you sensible with your money?"
"I like to think so"
"Well, that's okay then, want a credit card?"
"Alright"

Quick as a flash, she was filling in a credit card application form for me. I signed something, and then that was that. I've erm... applied to have the ability to get myself into loads of debt. Woo yay.

Apparently, getting a credit card now will allow me to build up a credit history, which is apparently a good thing. I'm not sure whether or not I'm inclined to believe this, as my attempt to build up a good driving history, ended up in me smashing up a car. (On Christmas day). (Two hours after getting on the insurance). (I hit a bollard).

What annoyed me most was the bankmonkey's banter skills. Working in Wilkinsons, I'm getting pretty good at talking about nothing to customers. Or more specifically, I can rate other peoples banter skills. The bankmonkey asked me about what I was doing in terms of school and university, and how I'd be looking a student account, and then made the "kill", and got the credit card. When I continued to humour her and tell her how the student rail card that Natwest do will be useful, she looked like she couldn't care less. She'd got her gullible customer to get a card that will spell financial doom. (Probably).

Immediately after signing away my financial life to a slimy bank manager, I rang my mother. Guess what her reaction was! She wasn't best pleased, to say the least.

I'll be laughing when I can buy stuff with money that isn't mine!

|||111816242287657493|||Credit where it's due!