Mr Brown ! How nice to see you , can I help ?   I'm not exactly sure if it's your department , but I'd like to ask some questions about qualifying for Comprehensive Credit Granting .   I see . You are one of my favourite customers , Mr Brown . I'm more than happy to help . For Comprehensive Credit Granting , IBA will grant a promised quota for you , that is , if you qualify . Of course , your credit record , within you field of trade needs to be up to scratch .   How long a period will you look at to determine this ?   We will consider the first part of the year , in your particular field , and your credit rating can be no less than class A , during that period .   That sounds simple enough . It's Friday today , I'll be back on Monday morning , first thing , with all of the relevant data . See you then , and enjoy your weekend . 