Few days ago i receive call from a bank personnel, this kind of phone call i’ve get used to it. The very polite girl will talk in a very sweet way, to win your heart, its like you are in heaven liao, then ask you to sign for the credit card. Yabadabadu.. here it goes.. a FREE credit card for you…just a signature, enough.

LOL, a signature can turns me into a lifetime debtor le!!!!

All these are my credit cards..but mostly not in use.

Q&A

1. What is your age when you have your first credit card of your own? Sub card not considered.
I was 23. Half year after my first job.

2. What bank is that? Why?
UOB - cos a friend working inside give kangtao to her.

3. Visa or Master?
VISA wave

4. Credit limit given for the first?
RM3000 only due to my wages were only RM2k at that moment.

5. What is the feeling by that time owning your first credit card?
Fantastic. Can go swipe and wave as i like during shopping.

6. Up to now, how many in total you have?
In and out… 7 to 8.

7. Do you use all of it?
I am just focusing on 2 bank, UOB and ALLIANCE.

8. Pros in having credit cards?
Its good for me to do online transaction, hassle free and save time. With the help of auto debit, no more late payment charges for some of the bills. And when go shopping, i don’t need to bring so much cash. Very dangerous you know?

9. Cons in having credit cards?
It will make me waste lots of money out of my budget. Sigh..

9. How much you pay for your credit card debts per month?
Jiak lat lo.. Everymonth at least throw 1k to the creditcards. Depends, if travel month, its even worst case.

10. Do you wish to upgrade your card to a higher limit?
It has been upgraded, i think more than enough, the higher the limit, the more i spent. So better keep it low.

11. Last but not least, which bank you prefer the most? Why?
Although i’ve sign for so many banks, but i only use 2 bank which is UOB and Alliance now.
Reasons are:
UOB was my first card, and i’ve assigned some auto debit transaction to that bank, so i don’t want to cancel it. Alliance bank gave me 2 cards master and visa, bring me conveniences and higher credit limits. So i think its more than enough..

Its very annoying when receive those bank personnel calls, some of them are very approaching type, never give up and keep calling, I tak sampai hati to hang up the phone just like that. What to do, entertain lo. Some other times, is because of the benefit given, and naiksampan lo.. and sometimes are because of those insurance company offers and i signed lo.. ended up, sign sign sign i also din use. Since no harm mar, I don’t have to pay single cent, and let them earn the commission lo.

Errm, is time go get ready, gtg, catch me up somewhere.. tata, might have difficulties in accessing internet, so might get lost somewhere. Will keep updated as i can. Miss u all. Sincerely from my HEART. Wakakkaa. Oops itu CikLydia is waiting for me liao. Dun kill me for my disappearance dear..