Examples of gross impertinence

[colly]

Once had a bloke, Scottish, knock on the front door selling stuff from a holdall, dusters, tea towels, oven mits etc. All over priced and all about as crap as is possible to make. I said sorry I didn't need anything (politely because he was, after all, only trying to make a living) He stuffed his wares back in the back fixed me with a hard stare and said ''F*cking English''

I nearly pissed myself laughing it was so unexpected. At that point I thought he was really going to smack me one he was so furious.

..................I coulda taken him..........no really I could.

 

[Pale Rider]

This is exactly what I do (using a British Airways Card to save airmiles points), use it for everything then pay in full at end of month.

Another example.

A few years ago our managing director was renovating his house and spending quite a lot at B&Q.

The assistant told him he could get discount if he took a B&Q card and put the purchases on that.

Application refused because he had no credit history.

That was sorted eventually, but I'm sure the application would have gone through on the nod had he kept up a record of responsible borrowing.

 

[brand]

I tend to use a credit card for day to day purchases - a few hundred each month - and pay it all off at the end of the month

I do something similar only I put the money into a savings account and pay it off at the end of the interest free period. I keep the interest. Also do the same to save up for large purchase. IE buy the item with the zero interest card and put the money in savings account. I also lie about my income, now a days by multiple of 3. They cannot check and never ask.

If you want to create a good credit score make sure you are on the electoral register. If you lived in the same house for 7 years that ups your score significantly. Of course taking out any credit helps. Make sure a direct debit is never refused by your bank PARTICULARLY for utilities. Although councils don't pass that info on but they are the first to send the bailiffs round. Also use the same forenames every time. IE if you use your middle name use it every time.
PS passing the debt on to zero interest zero fees credit cards now. They are back again, missed them time for a bit of cumulative interest!

 

[vernon]

I thought that gross impertinence was telling 144 folk proclaiming to be my betters to feck off.

The OP is 142 examples short of the definition.

 

[TVC]

It could be quite poor.

The best ratings tend to come from regular, but not too regular, borrowing and repayment on schedule.

As someone who has been all but invisible for 20 years, you might now find it difficult to get credit.

Does this matter?

Possibly not, although if you happen to want, say, a contract mobile phone and can't get one it could be irritating.

I'm in a similar position to you, but with the above in mind, I tend to use a credit card for day to day purchases - a few hundred each month - and pay it all off at the end of the month.

That way, if the question is asked, my record does at least show I can operate a credit card responsibly.

Like you I use my credit card and pay it in full each month, though my main motivation is in case of fraud, when it is their money and not mine that gets taken. If there ever was a question then my bank records are strong.

 

[MacB]

Anyone else find a rider that uses a mere flick of the elbow a little rude?

 

[jayonabike]

I was very young when i bought my house and a salesman knocked at the door selling windows (coincidently I needed windows as I had not long bought the place and was doing it up)
The first thing he said was "are your parents in sonny" to which I repied "no" and shut the door in his face (they lived 250 miles away)

 

[Over The Hill]

I too have a No cold Callers sign on the front door. I usually open the door, assess they are indeed cold calling, and point to the sign. Then slam the door, all without saying a word. However to older men in suits turned up one day and as I pointed to the sign, said,
'OH! No! We're not selling you anything, we want to talk to you about god.'

My reply was that I don't need an imaginary friend and a slammed door. The look of shock on their at my remark faces was priceless!

A "no cold callers" sign is really just saying you don't want unsolicited selling. I suppose in some way the politician or religious nut is trying to get you to "buy" something in the broader sense but they are not cold callers.

I get quite a few on the phone and have fun saying "I charge £25 to take unsolicited calls, what is your billing address".

 

[snorri]

And here's one from opening my post this morning, a letter from the Electoral Registration Officer asking to verify that the electoral register information for the property is correct. It states that it's important to be registered to allow participation in elections, so far so good, but then adds that it could also "improve your credit rating"! How offensive is that ?

Not as offensive as posting provocative posts on CycleChat and ignoring those who challenge your views.

 

[Flick of the Elbow]

Not as offensive as posting provocative posts on CycleChat and ignoring those who challenge your views.

Nobody here is under any obligation to respond to an alternative point of view.

 

[TVC]

I was very young when i bought my house and a salesman knocked at the door selling windows (coincidently I needed windows as I had not long bought the place and was doing it up)
The first thing he said was "are your parents in sonny" to which I repied "no" and shut the door in his face (they lived 250 miles away)

Similar when I was living in a student house: "Hello, is your mum at home?" - "I don't know, do you want me to phone her?"

 

[vernon]

Nobody here is under any obligation to respond to an alternative point of view.

And no-one here is under any obligation to take you seriously.

 

[vernon]

I didn't realise anyone did...

The OP does.

 

[swee'pea99]

My Grandad was in India and Burma during the war.
Years later a wee man in a turban came to the door offering to sharpen knifes.
The offer was politely declined and the man started muttering away in his native tongue, he got the shock of his life when my Grandad understood and replied.

I've told this before, but yours brings it to mind & I think it bears repetition...

Can't remember who it was told it, but the story went like this...

Small group of public schoolboys doing a walking tour in Deliverance country, Wales-shire, turn up in a village shop, whereupon the form master, just for the hell of it, assembles a shopping list from the boys' requests, in Latin. This, needless to say, impresses the locals no end. They proceed to express their approval by freely (in Welsh) exchanging some fairly fruity views on the xxxxing English xxxxs. Having completed his list, the form master then turns to the shopkeeper to deliver it with an engaging smile, and in impeccable Welsh.

 

[subaqua]

i am still waiting for Fnaar to turn up here.

you cant leave one as big as the one in the first post un Fnaared.