Excerpt of a conversation with my brother:
Brother: I want to get a credit card. I am going for X as the ATMs and branches for Y are too far off. Additionally X offers better points system
Me: Why does ATM location matter for credit card?
Brother: Hmm…..to pay bills?
Me: You can pay by direct debit..
Brother: But, don’t I need to have an account in the same bank for that?
Me: No…<goes on to explain>
Brother: Ok, ok…so should I get a credit card?
Me: I thought you already decided to get one?
Brother: Yes, but I need a “Yes” from you!
Love you little bro J