Going through the post this morning and the usual monthly attempt to get me to have a credit card 
Normally they get binned but opened this one and it made me chuckle...
Now anyone that knows me knows I personally don't like credit cards, never have done. It's a personal choice, I think they are the curse of Satan and watched countless people over the years get sucked into large debts with obscene interest rates.
That said, the wife has one, uses it daily, pays it off every month and calls me a grumpy old fart. Plus if we book a holiday we have to do it on her card for the added protection. So yep I'm a hypocrite. But I did smile when I got the above letter.
According to Capital One, the default reason for not having one is because you are a walking talking financial disaster zone and need to repair your credit rating 
Thanks Capital One, but no thanks... Plus the only person who calls me Steven is my mother when I'm in trouble 
