Declined….you’re kidding, right?

Just for the record. I am so sick and tired of vegetable soup. That recipe makes enough to feed 100 men at a food shelter. I’m serious.  I’ve eaten it for 4 days and there is still 1/4th of the pot full. I will feed it to the toilet today.

Let me clarify. I will flush it down the toilet. Not eat it and then throw it up. LOL I could never do that. I don’t think and I’m not about to find out any time soon.

Today I have to go to the grocery store. Yesterday hubby and I went to Future shop. I was going to buy 2 new flat panel monitors. One for DH and one for myself.  I was going to use my Mastercard but there was some lady asking if anyone wanted a Future Shop Card.      What the hell, what’s one more credit card, right?  So I electronically fill out the application. Hand the girl my ID and Mastercard for identification. They swipe it and IMMEDIATELY she says…they DECLINED you.  Declined me?  Whoa. Wasn’t expecting that. How embarassing!

I had a Future Shop card about 10 years ago and it was closed out because I never used it. Stupid reason but okay you’re losing the business not me. 

I’ve always kept my credit in good standing except maybe when I was 19 or so and didn’t know that skipping a payment here and there would negatively affect my credit rating. But c’mon that was 18 years ago!

Anyway the lady gives me a number so I can call and find out why. At this point I’m getting angry because I KNOW my credit is good. Do you think I’d have 2 mastercards, 1 Visa, numerous dept store credit cards if my credit was shot?  My MNBA Mastercard just upped my credit limit from 7,000 to 12,000.  Ya I have shitty credit so I can’t even get a dept store card? Give me a break. I could feel myself getting angry but it wasn’t the girls fault. Hubby is trying to chill me out and said "just use the mastercard instead" ….OH HELL NO!  If these jackasses aren’t going to give me a CC then they aren’t getting my money any other way.

So we left the store empty handed.  I came home and immediately wanted to check my credit score so I paid the 24.00 to get an instant report online.   F’kn A – credit score 812!!

"Your score is well above the average of Canadian Consumers"  so why the hell was I declined?  Now I’m curious and mad. So I dial the number the lady gave me.  I asked why I was declined and the lady tells me….Our credit issuing system does not accept any applications that have previously been declined or if you have previously had an account with us that has been closed. 

Um, okay then. So because I didn’t use the card enough previously and you closed the account due to inactivity you’re not going to give me another card 10 years later?

She says "I"m sorry mam, I don’t make the decisions however I can flag your account for one of the lending managers to review. They have the authority to override decisions".

No thank you. I won’t be doing business at your outlet in the near future, if ever again. "Mam" ?

Thanks for your time. CLICK

So anyway after I found out WHY they declined me I felt better. I knew my credit was excellent. That’s something I strive for but it bothered me that I was declined. I was embarassed. I felt like everyone was looking at me like I had awful credit or something. Oh well….their loss not mine. I’ll give my money to their rival store next time.

Short term goalUltimate Goal