Since entering the real world, and traveling quite a bit with my job, it has been made clear to me that I would have to start a relationship, with a … credit card. Let me make myself very clear, the word relationship is not being used lightly here. I believe that in order to properly possess a credit card, one must understand the commitment it takes, and follow the same guidelines one would with dating. While dating, you don’t just jump in head first. It is a progression that leads to liking, which hopefully will lead mutual respect, and finally turn into love. I am going to walk you through the steps I took after finally deciding that I was ready to start this new relationship.
First, you have to play the field a little bit, date around if you will. Don’t just jump into something without examining all of your options, because you wouldn’t want to get stuck in a relationship that would be difficult. (As my mom says, “Dani, be sure to have a top 5 list.” I’ll let you decided if she is talking about credit cards or men.) I have found that by dating, you discover information, whether it’s annoying habits or hidden fees, relatively early in the process. Once you decide what is best for you, you find out if the feelings are mutual.
I found that these cards, like some men, play hard to get. Just because you decided one is good for you, doesn’t necessarily mean they feel the same way. Throughout this process, I found myself pretending/hoping to be someone I wasn’t just so I could get approved. Because of the fact I have no credit, it is hard for credit card companies to see me as a good fit. With countless rejections, and a few heartbreaks, I had to be honest with myself, and go with a card that was a little less attractive, but did have a “good personality”. It turns out that this is going to ultimately be the best decision for me.
Once the card is in my possession I will be able to start forming more of a connection. There will be ups and downs, as in any relationship, but what really matters is the commitment factor. If you are truly committed and responsible for your actions, it makes everything a whole lot easier.
For the next couple of weeks, I am going to give you a rundown of my dating process. In today’s society, you can go about dating the old fashion way or there is a new process called online dating. I tried both. I visited a few big banks around Nashville, a few small ones, and even tested the online credit card application process. Will there be a difference? You’ll find out!