colin dellow's bln

So, CIBC has kindly informed that after assessing the information Equifax rendered unto them, I'm probably not their ideal candidate for a credit card. Ouch. So, the conspiracy-theorist question becomes: If I had supplied my SIN number along with my application, would things have ended up differently? I understand the desire to get my SIN number - it's a powerful key to link databases together and give them more knowledge to make better decisions. But, on the other hand, I'd prefer not to be a number. Regardless, the application has a small note, with a veiled threat in it indicating that it's in your best interests to give them a SIN number. Where do I go from here, I wonder? I've never particularly liked CIBC -- I needed a parent to open up (and to cosign on!) my account when I was 17, I needed a parent to get cheques drawable on my account, and now this. Plus, a friend of mine recently applied for their Classic for Students credit card as well - they confused this with their Classic credit card, which required higher minimum income levels. In the process of sorting it out, one of their "Credit Specialists" ended up being suspended for a week without pay due to obstinancy and rude treatment of my friend. Is this an organization I want to do business with? Perhaps it's time to evaluate this whole banking scene now that I'm a little bit older and am wanting more services from them.

Also, yay for Cocoon. I've finished the client creation/modification/listing/deleting system, and am looking at refactoring the code for optimal reuse and style.