Quote:
Originally Posted by lazypucker
Bank tellers are useless here. When I run up to the teller and ask a credit card question - hold up! You need to book an appointment with a credit card specialist! How about the GIC rates? No, you need to book with an investment specialist!
Why do they have so many different job functions like a credit card specialist, loan specialist, mortgage specialist, investments specialist, whatever specialist? Why can't the banks train their staff to do most if not all of these? Isn't that all the information is readily available in the same system?
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Banks dont manage their own credit cards, they just slap their logos on them and then it's VISA's or MC's problem. The Bank doesnt approve people for credit cards, the secondary lenders do.
Mortgages? You're not getting a mortgage or loan 'from' the Bank, you're getting a morgage 'via' the Bank. Thats why when you apply they give you a laundry list of BS to provide because they have to submit that information to a secondary or tertiary lender.