Last week I was called by a banker and told me that I have a priviledge card from their office. She just wants to confirm my mailing address which happens to be my office address. I asked her what a priviledge card is. She told me it’s a pre-approved credit card. I was offered credit cards half a dozen times but I continue to decline. I am not against credit cards but I don’t see the need of owning one today. Maybe few years from now.