A lady came up to the register, and, like I'm supposed to, I asked her if she wanted to open a store charge card. Most people tell me no, say they already have one, or make some sort of joke about their husband and we just move in. Not this lady. She stopped, looking me dead in the eye and asked me,
"Do you know that every card you open affects your credit score?"
I just responded back that I did, but if was just my job to ask. She kind of huffed and muttered about young kids not knowing things like that.
First of all, I'm over thirty. While perspective is relative, I'm generally not a "young kid". And second, I do fully understand the ins and outs of the credit card. I've talked two coworkers out of opening cards, mostly by pointing out the interest rate. And when a "young kid" comes in and opens one, I take the time to explain the card in detail to them. It has turned away accounts, but I'd prefer to not be someone's first stepping stone to bad credit.
But seriously, what did she expect? One word from her and now I will single handedly halt the credit card movement?
"Do you know that every card you open affects your credit score?"
I just responded back that I did, but if was just my job to ask. She kind of huffed and muttered about young kids not knowing things like that.
First of all, I'm over thirty. While perspective is relative, I'm generally not a "young kid". And second, I do fully understand the ins and outs of the credit card. I've talked two coworkers out of opening cards, mostly by pointing out the interest rate. And when a "young kid" comes in and opens one, I take the time to explain the card in detail to them. It has turned away accounts, but I'd prefer to not be someone's first stepping stone to bad credit.
But seriously, what did she expect? One word from her and now I will single handedly halt the credit card movement?
Comment