[speaker001:] Hello, welcome to Credit Services. How can we help you?
[speaker002:] I'm interested in applying for a credit card with you.
[speaker001:] Are you an existing customer?
[speaker002:] Yes, I've had a Current Account with a debit card with you for years. Now, I'm looking at upgrading to a credit card.
[speaker001:] May I ask why you didn't think of applying for a credit card with us sooner? Most young people jump at the chance.
[speaker002:] When I opened the account with you, I was a student, I graduated a couple of years ago and have a steady salary, so I figured now would be the best time to go ahead.
[speaker001:] That's very sensible of you. We have many fresh graduates applying for credit cards, getting them and then going on a spending spree and being unable to meet the repayments.
[speaker002:] As you can see from the statements for my Current Account, I have never been overdrawn. I'm always very careful about that.