I'm so happy... I'm so glad... DO YOU WANT TO KNOW WHY....huahuahuahuahua :p
Actually... my aims... to settle all my credit card... ACCOMPLISH... huahuahuahua... I'm so happy... one of my TARGET for year 2008 is ACCOMPLISH... the best part... I already close my credit cards... huahuahuahuahua :D
When I was at ST*NDARD C***TERED... last wednesday... to close my account... the customer service officer asked me why I wanna close my account... my reason... SIMPLE... TAKUT LAA HUTANG BANYAK-BANYAK... huauahuahuau... then he told me that many people nowadays had closed their credit csrd account... plus... he said... most probably... next year... maybe... the economy growth will slow down... SO... if you have a big debts... you might face a big problem to pay the credit cards...
his opinion was logic... this year... we can hear from the news... too many incidents like credit crisis in USA and terrorist attack... it may influence the economy growth... even though the oil price has goes down... however... we must prepared... the oil price may increase next year... as all the price goes up... you might prone to use the credit cards at the shopping mall... especially when you buy groceries... at the end... your debt will increase and you have to pay more to settle your credit cards...
my stories... I would like to share with you... last time...3 years back... I had 5 credit cards... the limit... up to 5 digits per credit cards... hehehhehehe... I always shopping... as shopping is one of my hobby... at the end... I realized... I don't need too many credit cards... because I will prone to buy things that I do not really need... then... I close my credit cards one by one...from that momments... I aimed to close my credit cards... in 3 years... I managed to pay all the debts in my credit cards... I also close 4 of my credit cards... and only had 1 credit cards.... just for emergency.... but not for shopping.... huahuahuahuhuahua :p
MORAL OF THE STORY... learn from my lesson... don't use credit cards for leisure... for shopping... or for groceries.... use credit cards only for emergency... such as.. car break down... use CASH is better... it just my point of views... Orait :)
18 comments:
betul la sadi, tahniah la dpt tercapai salah satu target utk 2008. kita masih ada dua lagi nak settlekan.. poning pala ni..
kak..eila dah cancel kad SC ni dah lama..siap diorg ade utang kat eila lagik..sebab lebih byrkan..sampai skang claim nak dptkan balik duit tu..langsung takde respon..hampeh kan..
betul la..wanie pun tgh nak settle kan semua hutang2 kredit card..pakai satu je kredit card
cutemiut... alhamdullilah... moga lepas ni sadi tak guna kad kredit tuu lagi... :)
eila... kalau bank mmg macam tuu... part mintak... cepat jeee... lewat sehari pun dah kena interest... tapi kalau diorg lambat... buat dek jeee....
wanie.... sekarang sadi aims tak nak pakai lagi... harapnyeee... berjaya laaa... hehehehhehehe :)
sadi, leceh kan bila guna kad kredit ni.. lambat byr.. skit2 tipon..
boring betul la.. kita pun tgh cuba nak selesaikan saki baki yg ada..
pastu klu blh takmo dah pakai.. buat nambah utang je
serik rasanya nak pakai kad lagi..
duit habis byr hutang je...
hhhuuu/...hhhuuuu,...huuuu,...
harap kita pun akan berjaya menyelesaikan masalah hutang2 tu.. suatu hari nanti
nak buat cam sadi gak la..
insyallah... kan sadi..
klu kita usaha.. pastinya kita akan berjaya.. betul tak sadi..
betul tu sadi..tak leh guna sewenang2 nye credit card ni..
guna masa emergency je..kalau tak jenuh la la membayar nye nanti
skarang ni wanie pastikan kalau guna kredit card, mesti mampu bayar dlm bulan dlm bulan tu jugak
yg leceh nye, kadang2 terlupa nak bayar untuk bulan tu...dah kena penalty...rugi betul
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