Just at the moment, because of the housebuild, I'm spending a lot more money than I usually do. I realised my credit card was close to its limit so I went to use my spare and found that it had expired. My spare was from "Halifax - it's a people thing".

Now, I don't understand capitalism but I assume that everyone along the chain except for me makes a profit when they are involved in my transactions. So I thought that getting a new card would be fairly easy.

I went into the branch to ask for a new one. No, I'd have to phone the credit card team.

I phoned the credit card team and asked them to send a new card to the branch for me to pick up because
1. The postal service delivers to my postcode only once a month and
2. my address is a building site so even if the card arrived, it risked ending up beneath the floorboards.
No, it had to be sent to my address.

Bye bye, people things.