And very handy it is too. So handy, that when Barclaycard offered CF a second card, he was glad to reply "Why, yes! One for the lady wife, if you would!".
Sure enough, 10 days later, a letter arrived. Printed on cheap, thin paper, using a dot matrix printer, it tersely informed CF "Your application has been refused".
What? You fucking what?
You just offered a second card, you nonces. A card for Mrs CF, who shares the same surname, lives at the same address and is party to joint bank and mortgage accounts. So presumably has a startlingly similar credit rating to the main cardholder.
The card itself hasn't exactly been used to run up hideous debts, either. It's used most days, always cleared every month - by Mrs CF, funnily enough - and it's got a 5 figure limit which has never, ever been exceeded.
And you weren't exactly cautious when you issued the fucking first card, were you? If CF recalls correctly, his was flogged to him by a shifty-looking bloke signing people up at Kings Cross railway station, for Christ's sake.
So why the fuck can't Mrs CF have one, you dimwitted moneylenders?