YES - Year End Sales & more credit card stories
yes.. it's the year end sales. christmas is coming and i'm truly broke.
can't recall where my money went this month. it's like the moment you see it appearing on your bank account, within days ..it's all gone.
i'm a by-product of the consumerismn world. Credit card plays a vital role in my life... i guess i have ended being from the person that goes around saying "Credit Card is good for you" to being living from month to month hoping for my salary to come at the end of each month or else i'm F%!@#!
oh well, i guess credit card is still doing good deeds for me at this stage. imagine if i don't have one, i'll probably have a big fat wallet / purse and will have to go to the bank / atm every other day to withdraw money. those who knows me will know how many times i lost/ misplaced my ultra thin & tiny wallet. it's easier to call the bank to put a stop on my card than to figure out how much i have lost.
can't really blame the plastic if you, the person has no will power to stop spending. and contrary to what most ppl say... credit card will help you spend more. it's so not true... just go to any supermarket/ hypermarket... if you are really in a hurry, you wish you have more cash on you and go for the cash only counter. if only i have more than RM20 on me each time.
Credit card also allows you to play a game of risk... imagine going to the petrol station because your car runs out of petrol and each time you swipe your card and wait for the authorisation, you hope that you card don't get reject for whatever reason. or the fact that you forgot to inform your bank that you're going overseas and they decided to stop approving whatever you swipe while you on the other hand thinks that you have your credit card with you, did not bother to go change enough foreign currencies to carry around with you.
sad to say, when you want to end your relationship with your ever loving card, it's not as easy as applying for one. oh for those who read my earlier blog on my encounter with Citibank, as of last Friday, i officially owe Citibank RM102.89. and it's all for the annual fees, late payment, interest accrued, etc. for your information too... according to my system, the card was officially terminated as of 31 October 2005 (read my blog and it says 19.10.2005) and at that point in time was verbally informed by the nimwit CRO that all charges such as the annual fees will be waived off within a week or two. yeah right.
can't recall where my money went this month. it's like the moment you see it appearing on your bank account, within days ..it's all gone.
i'm a by-product of the consumerismn world. Credit card plays a vital role in my life... i guess i have ended being from the person that goes around saying "Credit Card is good for you" to being living from month to month hoping for my salary to come at the end of each month or else i'm F%!@#!
oh well, i guess credit card is still doing good deeds for me at this stage. imagine if i don't have one, i'll probably have a big fat wallet / purse and will have to go to the bank / atm every other day to withdraw money. those who knows me will know how many times i lost/ misplaced my ultra thin & tiny wallet. it's easier to call the bank to put a stop on my card than to figure out how much i have lost.
can't really blame the plastic if you, the person has no will power to stop spending. and contrary to what most ppl say... credit card will help you spend more. it's so not true... just go to any supermarket/ hypermarket... if you are really in a hurry, you wish you have more cash on you and go for the cash only counter. if only i have more than RM20 on me each time.
Credit card also allows you to play a game of risk... imagine going to the petrol station because your car runs out of petrol and each time you swipe your card and wait for the authorisation, you hope that you card don't get reject for whatever reason. or the fact that you forgot to inform your bank that you're going overseas and they decided to stop approving whatever you swipe while you on the other hand thinks that you have your credit card with you, did not bother to go change enough foreign currencies to carry around with you.
sad to say, when you want to end your relationship with your ever loving card, it's not as easy as applying for one. oh for those who read my earlier blog on my encounter with Citibank, as of last Friday, i officially owe Citibank RM102.89. and it's all for the annual fees, late payment, interest accrued, etc. for your information too... according to my system, the card was officially terminated as of 31 October 2005 (read my blog and it says 19.10.2005) and at that point in time was verbally informed by the nimwit CRO that all charges such as the annual fees will be waived off within a week or two. yeah right.
posted by Debz at
2:59 pm
0 Comments:
Post a Comment
<< Home