Credit Crunch ...
Me : “Hi I’m calling to because I don’t have any of my credit cards apart from this one. I need access to some money and I don’t have a PIN for this card”.
Them : “We can issue a new PIN over the phone. Oh, we can’t our systems down but you can do it via our website”.
Time moves on.
Me : “I’ve registered on your site and tried to set my PIN but I can’t - the option doesn’t appear on the site”.
Them : “You need to use the site of X as they run the card”.
Time moves on again.
Me : “I’ve tried to register on the website of X but that goes to the same place that your site does and I still can’t set my PIN”.
Them : “You can in a few days time”.
Some time later I go to the cash dispenser, guess the number, get some money and go shopping.
A fine example of financial security.

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