Episode 120: The bank manager

Manager:	So, why should the bank lend you this money?
Tim:	Well, I’ve been saving here for almost five years.
Manager:	But haven’t you been unemployed recently?
Tim:	Yes but I’ve been living on my savings, not using an overdraft. I’m a reliable customer and I think my new business is an excellent investment. A business loan would be good for me and good for the bank.
Manager:	Well your current account does look healthy, that’s true. What about credit cards? Do you rely on plastic much?
Tim:	I’ve got one but I always pay off my balance every month.
Manager:	Well let me look at your proposal in more detail and I’ll get back to you soon.