Eyeing that new car, apartment, or education abroad? Or do you simply just need capital to tide you over a tough period? When asking for money from someone, however you play the scene in detail, the important factor is to convey an impression of self-confidence.

Love Stories advice is to have all the relevant facts and figures to hand in relation to your income or expectations of such. Be prepared to answer questions on your expenditures. A point worth making is that bank managers – not all but some – take an interest in their customers’ progress in the world and would like to hear of any promising future projects.

On the much-discussed question of what to wear for the appointment, our view is to be wary of conspicuous downdressing or looking in any way as if your luck has run out. So no to the shabby and, on another level, to the outrageous.

Still, it has to be said that your credit rating is what matters. We dare say that if you are a pop rocker with a fat income, you can get away with as many pierced and tattooed body parts as you wish.

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