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Why do you tease me?

Every so often, I get dead-tree spam in my mailbox at the Evil Banking Neighbor reminding me that credit lines, personal loans, home equity loans, and other such instruments of debt are available to me at below-market Team Member rates. These never fail to irritate me, even though I realize full well that they're just doing shotgun marketing on the employees in the hope of hitting someone who isn't leveraged to the eyebrows already.

In my case, not only am I leveraged to the eyebrows but I have the kind of credit rating usually associated with deadbeat Third World countries. Homeless alcoholics have better credit. So these offers for credit packages I couldn't possibly qualify for are more even more annoying than they otherwise would be. Yeah, I know, whimper whimper whine whine, suck it up and pay the damn bills. I'm doin' it. Still, I can't help wishing they'd fine-tune the damn lists and leave me out for once.

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