#Person1#: Hello, welcome to Credit Services. How can we help you?
#Person2#: I'm interested in applying for a credit card with you.
#Person1#: Are you an existing customer?
#Person2#: 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.
#Person1#: May I ask why you didn't think of applying for a credit card with us sooner? Most young people jump at the chance.
#Person2#: 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.
#Person1#: 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.
#Person2#: As you can see from the statements for my Current Account, I have never been overdrawn. I'm always very careful about that.
#Person2# is interested in applying for a credit card with #Person1#. #Person1# suggests #Person2# applies for a credit card sooner, but #Person2# thinks he is qualified.
credit card