[Retarded1]

Produce Section at No Frills

At the end of the night, when all the customer's are gone, we were told to sweep underneath all the produce tables to get rid of any fallen fruits and vegetables. The thing is, we were told to put any fallen fruit that hadn't burst open or gone rotten back ON the table with the rest of the fruit, because if we didn't it was like throwing ~50$ of produce out every night.

The "brooms" we used to sweep also sometimes consisted of the same squeegee mop that was used to get rid of all the nasty water from the produce cooler in the back room, and that water is NASTY.

The grapes are nasty. Even the ones in the bags have either been picked through already unless it's a busy day, or there's a milion empty grape bags with all the grapes chilling in the boxes, making everything sticky, and no one really cleans them out properly. I was told to just fill the bags up with whatever grapes were there at the time to make it look presentable, so look through the individual bags CAREFULLY, never know what's in there.

The reduce rack - anyone, ANYONE that picks anything up off of this should be ashamed. Not one thing I have ever wrapped and put on a "reduced price" rack was good enough for me to eat, and I wouldn't recommend anyone to eat them, no matter how "ok" they look. It's all shit that's fallen on the floor, sometimes fruits are split open but we'll wrap them in a way to hide all the bruising/tears.

Mostly everything that's left from the night before was not replaced in the morning, only filled up, so old lettuce, mushrooms and green veggies basically get taken down at night, but the same ones get put back up in the morning.

Electronics Repair - Not much to say, we worked for a big company and handled all their repairs for them, but half the shit they sent to us we had to send out to be repaired by someone else, this happened a lot. When I packed your stereos and speakers, I really didn't care about placing enough styrofoam so that your unit would be ok, forgive me.

Credit Analyst for a big Bank & Finance Company (we took care of a lot of little stores and chains i.e Pier 1, Home Hardware, Jewelery and Electronics etc.)
- We are lazy. If you do not provide us with enough information to find your credit bureau, and really don't try and help us/ find out why you haven't been approved yet, your application gets declined. We do send you a fax asking to confirm information, but we don't go on a huge manhunt for it. IF YOU'RE NOT A HOMEOWNER, 80% of the time you will NOT get approved for a higher limit then 4000$, and that's only if your credit is amazing. Always lie and say you're a homeowner, right away we look at your application differently, and I have never once checked or even know how to check if they actualy own their home. We go by a system called Matrix and use Scorecards to determine how much you get. NON-Homeowners only get the Matrix amount, MAX. Anyone under a Beacon Score (or FICO) of 600 gets Declined Automatically (only at my company, we are pretty strict with granting credit)

Some reasons for an auto-decline while applying for credit (big finance companies, not for starting off credit your credit, we don't help the kids out):

-Only having a credit file for less than a year (some exceptions, i.e multiple open credit, NO missed payments)
-Previously a customer with us, and went 4 months past due on a card
-If you went Bankrupt, you need to be discharged from the bank, and then have at least 2 years of new established credit with NO missed payments since your bankruptcy.

-If your Income is 1500$ a month, and you pay 1200$ a month for mortgage, you have a DR of around 80%, leaving you with only 300$ left a month. We calculate this as Debt Ratio, and anything over 50%, we look for ways to decline you. Other things come into play for this, as in if you have monthly payments on other cards. So if you have a high mortgage and owe a lot of money monthly, don't bother applying for credit unles you have the income to back it up.
-Carrying high balances on open Revolving credit cards (anything other than a loan). We look mostly at your open Credit cards, anything reporting in the last 3 months. We take down your limits and balances, and calculate it like the Debt Ratio, and call it Utilization of open credit. Any UT over 75%, we also look for ways we can strenghten our declined decision.

We don't ever confirm the amount of money you pull in unless you're requesting a larger amount of around 10k or more. So if you can, lie about how much you make. The Debt Ration we calculate is based off your income, so the more money you "make", the less your DR is going to be, and the more money you will get approved for.


Whew, good luck reading all that, and I'm sure it's not the same for all finance and credit companies, so take what you will and use at your own risk haha, oh and we all laugh at your crappy credit and bankruptcies, sometimes calling other people over to laugh at why you even bothered applying