The other day I got sent one of those ‘here, have one of our credit cards..’ junk mail things through the door. Normally they go straight in the bin, but this one got me a-thinkin’.

It seems to me that banks are starting to ignore the normal people like you and me, and are instead focusing their attention on the minted. Next time you see a HSBC advert on the TV, notice how all the customers they try to help with their savings are minted. Or, how the premier service will help you move house for free. (Check the small print on that one, you have to be minted to qualify)

This theory of mine was reinforced by the credit card application I received. Firstly, the booklet was printed on heavy black paper with nice glossy pictures. Secondly, it offered benefits that sounded a bit poncy to me, and lastly, the application form all but had NO PEASANTS printed on it.

As an example, here’s the income section:


Two things. Firstly, there’s a ‘Millions’ section. And secondly it states a minimum of 75k earnings.

Why do they send these things out in mass mailings? Do they not care about wasting (our) money?


(PS: Here’s the fella: RBS Black Credit Card)