My credit card affair started out innocently enough. I was into my second year of working at the New Straits Times Press and as an Advertisement Executive; I needed a credit card to finance certain expenses that come along with the job. My pay at that time was nothing to shout about and though I hold no bad credit to my name, my salary did not meet the minimum requirement to apply for a credit card.
Two years into my first job, my pay was finally sufficient to get me my very first credit card. One fine day, I found myself at a wedding exhibition; a huge client affair if you will so my presence was compulsory. There were many participating wedding booths but there were also plenty of banks offering credit cards for brides to be who needed a little credit repair and assistance during busy wedding moments.
With so many things to buy and book, a credit card is expected to lure these brides-to-be into applying for one. However, instead of the brides-to-be lining up to get a credit card, there was yours truly, happily applying for all the credit cards from all the booths on exhibition there! I purposely applied from every participating bank; convinced my applications were going to be rejected. But slowly, the cards started arriving at my office and before I knew it, I had not one, not two but FIVE credit cards with separate credit limits for me to enjoy!
I was thrilled and excited at owning my very first credit card and I celebrated with a new wardrobe! I even threw in a brand new cell phone for good measure! I did not stop to think about the bills waiting for me at the end of the month and it was only when they arrived that I had the biggest shock of my life. I could not believe I spent so much in just a month but the credit card statements were proof of my reckless spending!
Since then, it has been a tough struggle for me to fix credit card issues, which come with my overspending. As a shopaholic who is constantly with a must-buy list when we go out, it is hard for me not to swipe my card every time I see something pretty!
So now, I have a little box I call my no-no box where I keep all my credit cards at home. I leave all my cards behind when I go shopping except for one. This way, I get to control my shopaholic habits to a certain degree at least. I also try to pay for my purchases using cash instead of my credit cards. My motto when shopping now is "Paper Pays, Plastic Stays"! I don't know how long that motto will last, but at least I'm doing something, albeit a minute measure, about my credit card woes!
-FC Scoreboard points for my first THREE commenters-
GAGAY
LADYJAVA
SHEMAH
118 comments:
:'( :'( :'( :'( :'(
=-O =-O =-O =-O =-O
did i make a chop!??! :'( :'( :'( :'(
GP! :-P
:'( :'( :'( :'( :'( :'(
Recent blog:=- Rihanna on 20 20
Morning GG FC1! :)
GG SSG! :)
got me a bad credit GP! :'( :'( :'( :'( :'( >:o >:o >:o >:o >:o
Recent blog:=- Rihanna on 20 20
cute lah smileys wedding GP! =-O =-O =-O =-O =-O wohooooooooooooo!~
Recent blog:=- Rihanna on 20 20
Yes u did GG, thanks yeah! :) In the lead here this month GG!
morning GP! :-P :-P :-P :-P :-P
Recent blog:=- Rihanna on 20 20
:) :) :) :) :)
Recent blog:=- BlogRoll
wohoooooooooooo! =-O =-O =-O =-O =-O
Recent blog:=- BlogRoll
GG! He he… thanks for chopping GG!
Why keep on crying here GG? Got the chop edi mah! :)
8-) 8-) 8-) 8-)
no probs GP!
Recent blog:=- BlogRoll
waaaaaaah! this was earlier! was thinking i was late! :-D
Recent blog:=- BlogRoll
Really GG? How come so young bad credit edi? Sure or nooooooot? ;)
He he u got the link for the smileys right? I oso like the wedding smiley GG! :)
i know what you mean dearie.. it is not easy to not spend especially if you think you have salary at the end of the month to pay for it.. in SG where paperless society is the way.. it is even tougher not to use your credit card..
Recent blog:=- Lack of Sleep Coz of Grey's Anatomy
sure! i am just a supplementary holder of my mum! :'(
Recent blog:=- BlogRoll
but am now on debit card only.. my sg card tak laku here coz no security chip.. so that helps.. lol!
Recent blog:=- Lack of Sleep Coz of Grey's Anatomy
yeah! thankie for the smiley link! ;) ;) ;) ;)
Recent blog:=- BlogRoll
the wedding smiley looks so romantic! :-D :-D :-D :-D
Recent blog:=- BlogRoll
Hungry la now GG, haven had breakfast or lunch… u?
Wohoooooo indeed 8 points edi GG!
Welcome, now can see some adorable smileys at ur blogs eh?
Yay LJ in da house, FC2! :)
just eaten baked mac GP! yum yum! :-P :-P :-P :-P
Recent blog:=- BlogRoll
Yeah, where got late GG lol!
yayks! dance dance dance! :-P
Recent blog:=- BlogRoll
ill be posting lah blogthing later..i wana try smileys on it ;)
Recent blog:=- BlogRoll
At SG paperless society is the way LJ? wah I should move there then, maybe won feel so guilty about using my credit cards like there’s no tomorrow hahahaha! :)
Ohhhhh supplementary cardholder, then no need to worry la cause ur mom will pay the bill right? He he….
Wat u mean LJ? Ur Sg CCard tak laku here??? Nowadays pakai cash kalau boleh dearie, that is the only way to stop me I think! Kalau takde duit, tak yah gatal2 nak beli ahaks!
He he eh he GG feeling romantic looking at the smileys! :)
Sure or nooooooooooot ul be posting blogthings later GG? LOL! Post la now!
Ballet dance again GG? So cute!
Wahhhhhh baked macaroni u mean GG? I wan some!
yeap.. paperless society .. coz we can use our ATM card to pay for our purchases at supermarket and all.. and then there is cash card, debit card and of course credit card lah... some govt offices dont even accept cash anymore!
Recent blog:=- Lack of Sleep Coz of Grey's Anatomy
yup yup! baked macaroni! :-D :-D :-D :-D :-D
Recent blog:=- Rihanna on 20 20
weeeeeeeeeh! i wan rock n rollin' now! LOL! :-P
Recent blog:=- Rihanna on 20 20
mmg tak laku here my SG CC GP... no microchip tu. the reader cant read my card.. :(.. but yelah.. save money.. lol!! though I still use my supp card lah.. A pays for it.. hahah!
Recent blog:=- Music Monday - Sun Comes Up (John Legend)**
no GP! still me! :'( :'( :'( :'( :'(
Recent blog:=- Rihanna on 20 20
weeeeeeeeeeh! i am still thinking where to post lah blogthing! :-D :-D :-D :-D
Recent blog:=- Rihanna on 20 20
:-D :-D :-D :-D coz i think i need to have bf now! and get married tomorow! LOL! :-P
Recent blog:=- Rihanna on 20 20
Wah tak accept cash langsung, very interesting..i didn know dat LJ… I need la one or two cc…. or not tak feel safe when shopping huhuhuhu!
U made urself GG? Can cook eh? :)
Rock n roll away then sweetie, dance Gg dance!
Funny eh tak laku? But I guess kalau microchip prob then mmg cannot use…every year my banks increase my cc limit LJ! Enticing me it seems!
Still u alone GG? He he I cant wait to see ur BF when u get one later woot!!!!
Ohhhh he he post la at WNP!
Hahahahahhahaah GG cannot wait to get married!!! Relaxi taxi first GG, enjoy ur single life! :)
nope! i just bought from greenwich! ;) ;) ;) ;)
Recent blog:=- Rihanna on 20 20
:* :* :* :* :*
Recent blog:=- Rihanna on 20 20
waaaaaaaaaaah! it's edi more than a year GP got no lah bf! :'(
Recent blog:=- Rihanna on 20 20
at WNP? planning to post there lah awards! :-D :-D :-D :-D
Recent blog:=- Rihanna on 20 20
Ohhhhhh Im waiting for B to come home with lunch GG! He is otw edi!
coz our teacher/doctors always encourage us to get married now while still young.. :-D
Recent blog:=- Rihanna on 20 20
What happened to ur ex bf GG?? Why broke up la? GP want to busy body today LOL!
Ohhhhhhh faster la post before I have to go eat GG ha ha ha!
Ah seeeeee but ur still so young, no need to worry abt getting married yet sweetie!
aaahhh.. credit card woes... even though i don't own one.. J does and it affects me as well..
Recent blog:=- So Much Rain!
I didn't realize i guy could spend so much!! LOL!
Recent blog:=- So Much Rain!
Yay my FC3 is here, Shemah!! :)
J only has one credit card Shemah? Terrer menerrer la J!
Thanks for chopping ladies, now can add points! :)
He he when u have a credit card, semua pun nak beli Shemah! So good thing oso la u don have any… :)
yayks! so sweeeeeeet! :* :* :* :* :*
weeeeeeeeeh! attitude prob! >:o
Recent blog:=- Rihanna on 20 20
:-D :-D :-D :-D :-D thankie GP!
Recent blog:=- Rihanna on 20 20
BL post is ready! ;)
Recent blog:=- Rihanna on 20 20
Wats so sweet GG? :)
Ur ex attitude problem GG? He he…nevermind, I KNOW someone better will come along…wait for it sweetie!
Kaming!!!
having Tito B bringing food for u! :* :* :* :*
Recent blog:=- Rihanna on 20 20
thankie GP! just gettin myself lah busy at school! ;)
Recent blog:=- Rihanna on 20 20
weeeeeeeh! 1 more GP,,the awards! ;)
Recent blog:=- Rihanna on 20 20
Ohhhh he he…yeah lor my MIL cooked today! :)
thankie GP! 8 pts for me! :* :* :* :*
Recent blog:=- Rihanna on 20 20
;) ;) ;) ;)
Recent blog:=- Rihanna on 20 20
Welcome GG, come chop MM later tonight! :)
Ok sweetie, buzz buzz me he he!
Keeping urself busy is good GG, study first then have BF lol!
Hahaha :D You have a no-no box? That's so hilarious. :D
I wanna apply one too...but I'm trying to choose which is the best. :p
Recent blog:=- Top 10 Most Embarrassing Moment!
where got only one credit card.. he's got 2!!!
_____
yeahh.. my mom already said, anything we do, please don't apply for CC!
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Ala 2 cards only…he he! Still can salvage easily LOL!
Listen to ur mom then Shemah, mmg good takde hutang2 ni! :)
:-D :-D
Recent blog:=- Black Eyed Peas SNL: Boom Boom Pow
a lot of BF GP! LOL! :-P
Recent blog:=- Black Eyed Peas SNL: Boom Boom Pow
;) ;) ;) ;) ;)
Recent blog:=- Black Eyed Peas SNL: Boom Boom Pow
i did all 3 chops GP! :-P
Recent blog:=- Black Eyed Peas SNL: Boom Boom Pow
hola tekkaus! ;) ;) ;) ;)
Recent blog:=- Black Eyed Peas SNL: Boom Boom Pow
that's the one that yg still got. and still struggling to pay. another 2
cards dah settle. but still!!! 2 cards pun.. hutang tetap hutang!! LMAO!
_____
I wish I had 2 cards only to struggle to pay hehehehehe….nemind…slow and easy wins the OKB race he he… :)
You did chop all 3, thanks GG!
Too many BFs to pick one eh GG??
Woot! Ok Tekkaus, which banks eh? I am not applying for another one la…crazy or what wan to add to my collection? Muahahahhaha!..Although I am enticed to apply la lol!
He he I do have a no-no box Tekkaus! It’s a black Guess box, from my wallet last time he he! :)
Oh here it is you finally finished it! ;) ;) ;)
How was your weekend sweetie?
Olla Marzie,
Alamak, we better not to go shopping together Marzie,
Otherwise memang Bada Bing Da BOMB chaos jawabnya. lol
Recent blog:=- RestNrilekS on Parfum
Instead of saying "no.. you have spent too much"
we might end up saying to each other "hey we should get that.."
Owh those were the days.. lol.. :)
Recent blog:=- RestNrilekS on Parfum
I no longer on credit card.
Just using debit card. Hmmm. Rasa macam udara segar. Since i am no longer on credit cards, i dont stop to look at things here and there anymore.
Right now, i just look at my tinie winnie minie paypal account. LoL
Recent blog:=- RestNrilekS on Parfum
Bestnye no longer on CC Rizal… I still got lots ho ho ho!! :)
Ha ha dua kali lima kalau kita pi shopping ngan CC Rizal, what to do…. Dah suka!
He he…susah nak control sometimes but it’s also good to have around for emergency purposes Rizal! ;)
Aha, kita dua ni kena hantar terapi shopping.
When i sad, i shop. LoL.
Orang lain sedih makan, Incik RnR sedih membeli belah. LoL!
high maintenance tuu, lol.
Rizal, bila I depresi I eat and shop…huhuhuhuhu lagi teruk huhuhuhuhuhu!
My weekend was busy Ayie and I am still running around here multi-tasking! Hope urs was better. :)
LOL I finished it a few hours from deadline Ayie ha ha! ;)
I'm just newbie to it so still coping up and lately i get to have a lot. It's just good so i can save up more for baby's arrival. ;) ;)
had a little time relaxing after attending sundaymass, me and hubs ate out and left our busy home
Good to take some time out for RnR sweetie, have fun!
I bet u already have most of the baby stuff ready right? How exciting!
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Love n Hugs from Genie Princess!