Bergen, Månen

The Guardian har en artikkel om hvordan britiske banker graderer sine kunder:

«At a Lloyds TSB branch, as soon as the cashier has your account number and sort code, he or she will be able to see your «risk band» score. This (separate from a credit-rating agency score) tells the cashier that the customer is in one of nine bands – influencing the decisions and actions the cashier will take. A customer rated as a number one is top-notch; usually someone with a long history at the bank, who has no record of bounced direct debits or returned cheques, and who never exceeds their authorised overdraft limit.

Customers slip down the rankings if they mismanage their accounts. Persistent cheque bouncers – often college students with only a short history at the bank – are likely to find themselves labelled as seven, eight or even nine. A low score makes it much tougher for customers to obtain extensions to their overdraft, and if they want a loan, they will receive a less attractive interest rate. Les artikkelen