The big bank is cold blooded. It insists upon security and collateral. Your account in a big bank is only an incidental detail, and the cashier is cold and distant and blunt.
The small bank, however, gives you more time and attention, is more interested in you and can remember you much better than the big bank.
Avoid bad associates. You can't play the races and give wine dinners and maintain strong confidence with your creditors.
You must be worthy of the confidence reposed in you. It is your duty and part of the contract to be reliable and truthful.
Every time a creditor gets out of sorts go to him and pay him something, and he will quiet down.
Be grateful. Don't be afraid to express yourself freely and frequently on this point.
When you are caught up and financially strong stick to those who stuck by you.
Remember, credit is based on confidence in the individual rather than in his bank account.
Don't get into nasty arguments or disputes. Give and take. Be fair. Be square. Keep your temper. Stoop to conquer. Cut out all thoughts of revenge.
When a house does not treat you right, curb your temper, and, as soon as you can, get in touch with some other good house. Tell the new house frankly why you changed.