Homeowner asks for a 20k credit limit, gets lectured by an associate but stuns them by getting approved: '[She said] “Start out with a low limit, like $100, while [you] learn how credit cards work”

On the surface, this is just a story of a 30-something homeowner who walked into a credit union, asked for a 20k credit limit, and was told to start with 100 dollars until learning how credit works, right before being instantly approved.

But my personal take on this is that there are two parts or two layers to this story, and I'm here to talk only about one of them. Because I'm in no position to talk about finances. I get by, don't get in trouble, and unlike many financial foxes out there, I have practically zero intuition or expertise on how to make the most of what I have, or as mentors online like to say, 'make my money work for me.'

But the other part of this story is something you don't need any skill for, and that we all, at some point, have met. And that is being underestimated, talked down to, or being treated like a toddler by bureaucrats and clerks. And that, ladies and gentlemen, is equally infuriating and, at least in my experience, an opportunity to lash out in some of the most creative, satisfying ways imaginable.

So to me, there are two parts to that story, but only one really matters. The financial side is fine and logical and full of balances and ratios, and good for anyone who actually understands it. Not everyone does, and that's fine too. But the other part doesn't require financial literacy, just the patience to sit through a conversation where someone decides your face means you were born yesterday.

Was cautioned to start out with a low credit limit on a new card while I “learned about credit”. I literally have a mortgage.

via Elena Nichizhenova

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Being underestimated by bureaucrats has its own sting. It is the soft, smiling kind of disrespect that hides behind corporate procedure. The clerk isn’t cruel, just convinced you’re some lost soul who needs a pamphlet about budgeting. It’s condescension gated behind glass. Most people swallow it, nod politely, and move on. Others might find quiet joy in waiting for the moment when the computer screen reveals a mortgage, a perfect credit score, or ten years of payments that say everything the face apparently didn’t.
via Soggy_Ticket_427
That moment changes the air in the room. The confidence drains out, the tone shifts, and politeness becomes reverence. It’s human theater, and it’s glorious. Because nothing humbles a self-assured gatekeeper faster than realizing their student was already running the class.
via Soggy_Ticket_427
via Soggy_Ticket_427
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via Elena Nichizhenova

^{Image is representative only and does not depict the actual subjects of the story.}
via Soggy_Ticket_427
via Soggy_Ticket_427
via Soggy_Ticket_427
via Soggy_Ticket_427
via Elena Nichizhenova

^{Image is representative only and does not depict the actual subjects of the story.}
Some victories don’t come with fireworks. Some just come with the soft sound of paperwork being refiled in embarrassed silence.
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