dialogue: Anne: You have an account with Barclays, right?
  Michael: Yeah
  Anne: Is it ok? I'm thinking about changing my bank
  Michael: Where do you have it now?
  Anne: HSBC, they were the only one who actually let me open an account when I arrived to the UK. It's time for a change, especially after all those scandals
  Michael: I'm quite happy with Barclays, they don't charge me anything, the service is great and I like the staff
  Anne: I wanted to get a credit card, but my request was declined
  Michael: What? Really? Barclays offered me a credit card after three months, I think. I didn't take it as I don't need it and I don't want it, but it was never a problem to get one
  Anne: See, that's what everyone's telling me, I don't get HSBC's policy
  Michael: Don't dwell on it, just close the account and come to Barclays or Nest, I've heard they're ok too
summary: Michael has an account with Barclays. Anne has it in HSBC. At Barclays they don't charge. Anne's credit card request was declined. Michael got his after 3 months. 