I thought about applying for a credit card as I don’t have one. I decided to talk to a personal banker for information. I’ve worked part-time for years but have no credit, not bad credit, just no credit, except for the whopping student loan I paid off (which doesn’t count by the way towards getting credit because it’s not revolving credit, but a loan). Anyway, he said that I would not be able to get a card without credit. So I say, how am I supposed to build credit without a credit card? He says I have to either have a co-signer or a secured card. So, I say to him, how come students with part-time jobs without credit can get a credit card? He says because they are starting out so they can build credit. OHHH. What the F___? So, you’re telling me that if a woman let’s say gets divorced and has been working fulltime for years and all the credit cards, etc. were in her husband’s name and she has no credit history, that she can’t get a credit card? That’s right he says. That a stay at home mom with a part-time job can’t get a credit card without a credit history right? Right he says. Ok then tell me again why a student can get a card without a history? He says it’s set up to give them a chance. Isn’t that discrimination? That a student is more trustworthy financially than the situations I mentioned? Doesn’t a woman deserve a chance? He starts to stutter. Finally I let him off the hook and say hey I’m not trying to give you a hard time, I just want to show you how the balance of power is shifted. He’s glad to hang up.