Got a "letter" from the Commonwealth Bank today, inviting me to increase my credit card limit. I've got two whinges about it:
(a) They address me as Miss. What am I, 12?! If they're going to preface names with references to marital status (and why are they?), I'd rather be called Master.
(b) They're offering to increase my credit card limit, but they have absolutely no idea about my present financial situation. They don't ask about income or ability to handle debt, and instead say:
Simply sign and date the request form below and return it by 16 July 2008. We'll then send you a letter confirming your new limit.
There is a caution, though:
Please note: if your personal circumstances have changed or are likely to (due to, for example a loss of employment or an increase in your expenses, such as a new loan), please do not accept this invitation.
I think they're being irresponsible.
