Several reasons

1. Fee don't like to pay fees for a credit card.

2. I DON'T have a job. No one here will give you credit without a job, we just recently got a real post card instead of a conto card when my wife did 2 months of temp work, lucky we did it when we did.

3. I already have 1600 U.S. dollars on my U.S. card that I need to pay off. London is REALLY expensive. I have been here 3 weeks and that is where the 1600 came from, I needed to buy a laptop for one. That was about 900. The rest is school stuff and food. I just hope I pass this CELTA course and get a job when I get back, than I can at least deal with 2 and 3.