The Playing Field

In the UK, we have all been scared by energy bills which are predicted to average out at about £4,000 annually next year. That’s getting on for $5,000 USD.

As they watch the prices rise, people have been reduced to shivering, wearing their coats at home. People on the lowest incomes, the energy companies make sure they are on pre-pay meters, you know, the ones where you have to feed coins in before energy is released? (Which, by the way, is the most expensive option for the consumer.)

I’m just saying…

But it’s funny. You know yesterday I mentioned that I had a new job? Well, for the last ten years I’ve lived quite frugally, maintained just my bank account with its debit card. I don’t really plan on changing that, I’m actually extremely happy with my low-footprint existence, but since getting the job, I decided it might be wise to apply for a credit card. You know, for emergencies, to have two cards in my pocket. I bet you all do the same.

I looked at deals. In the end, I found not just one but several. I was pre-approved. Okay, pinch of salt. If I’m pre-approved but the limit is $10, it’s pretty meaningless.

But this wasn’t $10.

Having no previous relationship with the bank, I completed a five-minute online application. As it said, I was automatically approved. It gave me a credit limit of £12,500. That’s getting on for $15,000.

Bully for me, right?

Actually, that number scares me. I have no intention of borrowing that much, but I can think of plenty of fraudsters who’d like to.

But my point is this. People are going through real fear and anxiety about something as fundamental as staying warm, not just here but all over, a £4k bill. Yet here I am, with a bank I never met before, and straight away, they are willing to risk 3x that amount! At the drop of a hat.

Isn’t that kinda disgusting? That the field is tilted so unfairly? You know, some of us might be going through a cost of living crisis, but the burden is by no means spread evenly. The banks are certainly willing to take the risk on some people.

Just saying.


  1. 100% correct. Our electric bill, which includes heat, lights and stove, has been averaging $500-700 per month here in NY. We don’t like it but we’re over the proverbial barrel. We’re lucky (ha!); we can pay our bills. There are people who can’t even buy formula for their babies. What is wrong with this picture? It’s royally messed up.

    Liked by 2 people

  2. Even here in Palm Springs, where our normally balmy winter has been cooler than normal, our heating bills have more than doubled this winter. And I cannot emphasize enough how much I detest banks and their exorbitant credit card fees!

    Liked by 1 person

  3. Same happened to me. I wanted to increase my limit so we could do a home renovation, asked for a small increase, they put it up to 20k. I nearly died of shock

    Liked by 1 person

  4. It’s awful, isn’t it?! I wish something could actually be done about it. I wrote to the CEO of Shell when news of their record profits broke, uploaded it on here, worked out how to tweet it- nothing came of it. I wrote to my local MP twice when my borough decided we’re getting a 15% rise in council tax in April, have heard nothing back.

    I might as well scream at a brick wall for all the good it’s doing.

    Liked by 1 person

    • Well, Shell is a company, and the goal of companies is to make as much profit as possible. So I suspect Shell’s shareholders think they do a pretty good job.
      The trouble is, they are all multinationals now. They squirrel their profits away to some jurisdiction which charges them $10 tax. Certainly it used to be that when you bought from Amazon, you were actually buying from a company based in Luxembourg, Now, why was that?
      And, if you don’t pay your council tax, they’ll listen.


  5. Agreed. It’s very unfair. Our heater broke earlier this year and we can’t afford the repair right now, so we are living with lots of blankets and portable heaters. I’m really tired of writing under a heating blanket…but hopefully it will warm up soon.

    Liked by 1 person

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