"Hi. I'd like to know when my Credit Card will be delivered. I was told it will be delivered at the end of April"
"I'm afraid it looks like your card was declined"
...breathe...
"Could you tell me why it was declined?"
"Yes. It looks like there is an ITC code 'T100'. It must mean you have debt outstanding or you've had a problem paying another credit card. You will have to phone ITC to find out what the judgement against you is."
...riiight...
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