21-04-2022, 01:28 PM
You have two issues.
The credit issue has always been the case - if you have never had credit, you have no credit history so will have trouble getting credit. In their eyes, just because you have always paid cash doesn't mean you will pay monthly accounts on time. Or, your circumstances might have changed and the reason you want credit now is because you have run out of money, and so on. The timber merchant is presumably a trade supplier, and they get stung a lot from people who pay late or simply don't pay. Look at it from their perspective. Someone they don't know wants to take goods now and pay for them in 6 weeks time and has no documentation to show that they can or will pay when it's due. Would you lend thousands of dollars to a stranger off the street?
The other side of it is that I would expect that the timber merchant is a trade supplier. Supplying to tradies who buy at a discount and onsell the goods to their customers when they use them in a job. Those discounts are not available to Joe Public. And even within the trade, the discounts can vary according to goods. Eg my DH has a number of trade accounts (because he is a tradie). Some of them give a discount on the things the buys for his normal work - eg timber, Gib, paint, screws etc - but not if he buys garden products from the same supplier. They consider that to be domestic, even if it's eg for a bit of final landscaping for his customer. That's outside his scope as a builder so no discount applies.
The credit issue has always been the case - if you have never had credit, you have no credit history so will have trouble getting credit. In their eyes, just because you have always paid cash doesn't mean you will pay monthly accounts on time. Or, your circumstances might have changed and the reason you want credit now is because you have run out of money, and so on. The timber merchant is presumably a trade supplier, and they get stung a lot from people who pay late or simply don't pay. Look at it from their perspective. Someone they don't know wants to take goods now and pay for them in 6 weeks time and has no documentation to show that they can or will pay when it's due. Would you lend thousands of dollars to a stranger off the street?
The other side of it is that I would expect that the timber merchant is a trade supplier. Supplying to tradies who buy at a discount and onsell the goods to their customers when they use them in a job. Those discounts are not available to Joe Public. And even within the trade, the discounts can vary according to goods. Eg my DH has a number of trade accounts (because he is a tradie). Some of them give a discount on the things the buys for his normal work - eg timber, Gib, paint, screws etc - but not if he buys garden products from the same supplier. They consider that to be domestic, even if it's eg for a bit of final landscaping for his customer. That's outside his scope as a builder so no discount applies.