We were young, then

Can a torn-up application for a credit card still be used? Does posing the question betray the answer?

Thankfully, this is clearly an excess of easy credit from back in the days when banks didn’t know better.

I should note, though, that if credit card applications or banks in general insisted that you call from a phone traceable to a permanent residence, I would be unable to get credit despite my single place of residence and continuous gainful employment for over a year.

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