How to deal with bankers

This story reminds me of purchasing my first new car. I was in my early 20's at the time - took my mom with me as a co-signer since I didn't really have any credit.

Even though my mother could have written a check for several of these cars, the loan officer was asserting his "power" and playing the usual intimidation games with me. When he started acting like he was going to turn me down, I informed him that I had the funds on deposit with his bank to purchase the car outright (I did) and that it was his choice. Make the loan and earn the interest, or lose the deposit.

He reached across the desk and congratulated me on my new loan.

I vowed to always work with a local bank and to always have leverage of some sort when I did. It's worked well for me so far. Now if only my car payments were closer to that original loan...

Via BoingBoing:

Artist takes $190,000 out of bank because they won't give him a mortgage