Never had a credit card .Always figured if I cant afford one is best not to buy one . Seems once people start using a credit you end up in a credit for yer entire life .
I took to writing ‘unwanted junk mail’ on them, popping them in a plain envelope and returning them with no stamp on them back to head office. Doesn’t usually take long for 'em to take the hint and take me off their lists. Like the Telephone Preference Service, there something similar for junk mail. I found it stopped a lot of the shite.
Welcome to capitalism, ‘free’ markets and consumer choice… Enjoy! 
So do sth about it… change your lifestyle to not need a credit card. Make do with what you have rather than going on credit.
I know it’s easier said than done but really that’s the only thing you can do… either that or get in debt!
Oh that is awesome, I’m getting that!
I know I’m an argumentative to$$er, but personally I think that they’re doin kids afavour… in one instantaneous WHOAH moment, they are teaching kids that taking credit is a REALLY bad idea … especially from very rich vedry well-lawyered bastards who own credit card company’s. That’s a valuable lesson to learn early on… it’ll teach em responsibility, it’ll teach em to budget without resorting to credit… and if doesn’t, then they deserve EVERYTHING THEY GET… that’s not the young being exploited, that’s the idiots being herded into the idiot pen, where they can be abused for being so stupid… Bravo credit card company.
And don’t anyone whine about how its not fiar and we should help them, sink or swim works as a lesson plan too. … the weak are always culled, its a perspective this society no longer respects cos we’re all so hopeful of the “we all should be treated equally” ideological NONSENSE shoved down our throats by the media … LIFE ISN’T FAIR, ITS HARD WORK, the sooner you learn that the better.
I partially agree with you.
Yes, survival of the fittest is a valid school of thought.
Accelerating that with giving credit cards to people who are too stupid to use them is cruel.
Yes, and the fittest are probably the young folk running up silly credit card bills. They will then go out and batter some rich, nerdy, old banker type and take his money…
It’s not a question of stupidity… it’s a question of need sometime. Admittedly most cases a market created need but a need nonetheless…
It’s exactly the same reason why loansharks like wonga make their money, only toned down a bit.
“the weak are always culled”… Not so sure about that! Run up a massive credit card debt to fund your fags, booze, clubbing, holidays, gadgets, clothes, hard drugs etc - all in the name of reasonable day-to-day living expenses. Then go bankrupt and in our “we all should be treated equally ideological NONSENSE” society, your record is clear after a year and if you can get credit, you are free to start all over again. I know of one family near me who ran up massive debts. All on benefits yet dad drove a huge Jaguar. Bankrupted themselves, waited a year, changed their names by deed-poll and are starting the cycle again. 
so let’s kill em then?
I’m not a fan of liberal twaddle, but I still haven’t figured out how to get past those niggly “you don’t get to kill people that annoy you” laws yet… if you’ve got a solution to that one, I’m all ears… my old boss would certainly be my first port of call, 
granted there are some that can and do milk the system entirely fraudulently, but most of us don’t. but f you want to stop those that are defrauding us, you have to change the philosophy of hte whole country… instead of the Daily Mail whining class who rest on the pathetic addage of “well what can I do about it, put the kettle on, let’s whinge some more”, you need to instill a desire for change and motivate the laziest most apaathetic generation of Britons that have ever existed ever into getting up off their arses and doing something about the problem…
…
If you only want a credit card for emergncies and when you
do use it you always pay it off fully, then what difference
does the rate make?
I used to apply for all the free credit cards that sent me a form.
Always pay them all off EOM. Never been charged and I have a
super credit rating as I found out when I split up with a long term
partner and had to buy them out of a property.
If you haven’t got the discipline to use a crdit card sensibly then
don’t get one.
Columbo…try getting a mortgage when you work in Nigeria, for a South African company that is registered in the British Virgin Islands :crazy:
That sounds like the biggest scam in the history of scams :w00t:
worst poem ever.
It’s just the way you read em.
There’s nothing rhythmical and metaphorical
about any thing I’ve ever written especially
credit cards 
Hahahaha
To have an emergency card
At an age when life is so hard…
Just pay it on time
Or remember this rhyme
As you’ll soon be in debt you retard.
Take the advice from Miss Plum
As her words are not all that dumb
“Stash cash on the bike
Or wallet if you like”
And to boot she has a nice motorbike.
Ha ha, nicely done.