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 . 