Sunday, November 15, 2009

My Never-ending Affair


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. Smileys

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. Smileys

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!
Smileys

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!
Smileys

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! duit

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!
ihikhik

-FC Scoreboard points for my first THREE commenters-


GAGAY
LADYJAVA
SHEMAH

119 comments:

gagay,  November 15, 2009 1:59 PM

:'( :'( :'( :'( :'(

gagay,  November 15, 2009 1:59 PM

=-O =-O =-O =-O =-O

gagay,  November 15, 2009 2:00 PM

did i make a chop!??! :'( :'( :'( :'(

gagay,  November 15, 2009 2:01 PM

:'( :'( :'( :'( :'( :'(

Recent blog:=- Rihanna on 20 20

Mariuca,  November 15, 2009 2:04 PM

Morning GG FC1! :)

Mariuca,  November 15, 2009 2:04 PM

GG SSG! :)

gagay,  November 15, 2009 2:05 PM

got me a bad credit GP! :'( :'( :'( :'( :'( >:o >:o >:o >:o >:o

Recent blog:=- Rihanna on 20 20

gagay,  November 15, 2009 2:05 PM

cute lah smileys wedding GP! =-O =-O =-O =-O =-O wohooooooooooooo!~

Recent blog:=- Rihanna on 20 20

Mariuca,  November 15, 2009 2:06 PM

Yes u did GG, thanks yeah! :) In the lead here this month GG!

gagay,  November 15, 2009 2:08 PM

morning GP! :-P :-P :-P :-P :-P

Recent blog:=- Rihanna on 20 20

gagay,  November 15, 2009 2:09 PM

:) :) :) :) :)

Recent blog:=- BlogRoll

gagay,  November 15, 2009 2:09 PM

wohoooooooooooo! =-O =-O =-O =-O =-O

Recent blog:=- BlogRoll

Mariuca,  November 15, 2009 2:09 PM

GG! He he… thanks for chopping GG!

Mariuca,  November 15, 2009 2:10 PM

Why keep on crying here GG? Got the chop edi mah! :)

LJ,  November 15, 2009 2:11 PM

8-) 8-) 8-) 8-)

gagay,  November 15, 2009 2:11 PM

no probs GP!

Recent blog:=- BlogRoll

gagay,  November 15, 2009 2:12 PM

waaaaaaah! this was earlier! was thinking i was late! :-D

Recent blog:=- BlogRoll

Mariuca,  November 15, 2009 2:12 PM

Really GG? How come so young bad credit edi? Sure or nooooooot? ;)

Mariuca,  November 15, 2009 2:12 PM

He he u got the link for the smileys right? I oso like the wedding smiley GG! :)

LadyJava,  November 15, 2009 2:14 PM

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

gagay,  November 15, 2009 2:14 PM

sure! i am just a supplementary holder of my mum! :'(

Recent blog:=- BlogRoll

LadyJava,  November 15, 2009 2:14 PM

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

gagay,  November 15, 2009 2:15 PM

yeah! thankie for the smiley link! ;) ;) ;) ;)

Recent blog:=- BlogRoll

gagay,  November 15, 2009 2:15 PM

the wedding smiley looks so romantic! :-D :-D :-D :-D

Recent blog:=- BlogRoll

Mariuca,  November 15, 2009 2:16 PM

Hungry la now GG, haven had breakfast or lunch… u?

Mariuca,  November 15, 2009 2:16 PM

Wohoooooo indeed 8 points edi GG!

Mariuca,  November 15, 2009 2:16 PM

Welcome, now can see some adorable smileys at ur blogs eh?

Mariuca,  November 15, 2009 2:17 PM

Yay LJ in da house, FC2! :)

gagay,  November 15, 2009 2:19 PM

just eaten baked mac GP! yum yum! :-P :-P :-P :-P

Recent blog:=- BlogRoll

Mariuca,  November 15, 2009 2:19 PM

Yeah, where got late GG lol!

gagay,  November 15, 2009 2:19 PM

yayks! dance dance dance! :-P

Recent blog:=- BlogRoll

gagay,  November 15, 2009 2:19 PM

ill be posting lah blogthing later..i wana try smileys on it ;)

Recent blog:=- BlogRoll

Mariuca,  November 15, 2009 2:20 PM

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! :)

Mariuca,  November 15, 2009 2:20 PM

Ohhhhh supplementary cardholder, then no need to worry la cause ur mom will pay the bill right? He he….

Mariuca,  November 15, 2009 2:21 PM

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!

Mariuca,  November 15, 2009 2:21 PM

He he eh he GG feeling romantic looking at the smileys! :)

Mariuca,  November 15, 2009 2:22 PM

Sure or nooooooooooot ul be posting blogthings later GG? LOL! Post la now!

Mariuca,  November 15, 2009 2:22 PM

Ballet dance again GG? So cute!

Mariuca,  November 15, 2009 2:23 PM

Wahhhhhh baked macaroni u mean GG? I wan some!

LadyJava,  November 15, 2009 2:25 PM

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

gagay,  November 15, 2009 2:25 PM

yup yup! baked macaroni! :-D :-D :-D :-D :-D

Recent blog:=- Rihanna on 20 20

gagay,  November 15, 2009 2:25 PM

weeeeeeeeeh! i wan rock n rollin' now! LOL! :-P

Recent blog:=- Rihanna on 20 20

LadyJava,  November 15, 2009 2:26 PM

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)**

gagay,  November 15, 2009 2:26 PM

:* :* :* :* :*

Recent blog:=- Rihanna on 20 20

gagay,  November 15, 2009 2:26 PM

no GP! still me! :'( :'( :'( :'( :'(

Recent blog:=- Rihanna on 20 20

gagay,  November 15, 2009 2:26 PM

weeeeeeeeeeh! i am still thinking where to post lah blogthing! :-D :-D :-D :-D

Recent blog:=- Rihanna on 20 20

gagay,  November 15, 2009 2:27 PM

:-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

Mariuca,  November 15, 2009 2:35 PM

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!

Mariuca,  November 15, 2009 2:35 PM

U made urself GG? Can cook eh? :)

Mariuca,  November 15, 2009 2:35 PM

Rock n roll away then sweetie, dance Gg dance!

Mariuca,  November 15, 2009 2:36 PM

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!

Mariuca,  November 15, 2009 2:37 PM

Still u alone GG? He he I cant wait to see ur BF when u get one later woot!!!!

Mariuca,  November 15, 2009 2:37 PM

Ohhhh he he post la at WNP!

Mariuca,  November 15, 2009 2:37 PM

Hahahahahhahaah GG cannot wait to get married!!! Relaxi taxi first GG, enjoy ur single life! :)

gagay,  November 15, 2009 2:42 PM

nope! i just bought from greenwich! ;) ;) ;) ;)

Recent blog:=- Rihanna on 20 20

gagay,  November 15, 2009 2:42 PM

:* :* :* :* :*

Recent blog:=- Rihanna on 20 20

gagay,  November 15, 2009 2:43 PM

waaaaaaaaaaah! it's edi more than a year GP got no lah bf! :'(

Recent blog:=- Rihanna on 20 20

gagay,  November 15, 2009 2:43 PM

at WNP? planning to post there lah awards! :-D :-D :-D :-D

Recent blog:=- Rihanna on 20 20

Mariuca,  November 15, 2009 2:44 PM

Ohhhhhh Im waiting for B to come home with lunch GG! He is otw edi!

gagay,  November 15, 2009 2:44 PM

coz our teacher/doctors always encourage us to get married now while still young.. :-D

Recent blog:=- Rihanna on 20 20

Mariuca,  November 15, 2009 2:46 PM

What happened to ur ex bf GG?? Why broke up la? GP want to busy body today LOL!

Mariuca,  November 15, 2009 2:47 PM

Ohhhhhhh faster la post before I have to go eat GG ha ha ha!

Mariuca,  November 15, 2009 2:47 PM

Ah seeeeee but ur still so young, no need to worry abt getting married yet sweetie!

Shemah,  November 15, 2009 2:49 PM

aaahhh.. credit card woes... even though i don't own one.. J does and it affects me as well..

Recent blog:=- So Much Rain!

Shemah,  November 15, 2009 2:49 PM

I didn't realize i guy could spend so much!! LOL!

Recent blog:=- So Much Rain!

Mariuca,  November 15, 2009 2:53 PM

Yay my FC3 is here, Shemah!! :)

Mariuca,  November 15, 2009 2:53 PM

J only has one credit card Shemah? Terrer menerrer la J!

Mariuca,  November 15, 2009 2:53 PM

Thanks for chopping ladies, now can add points! :)

Mariuca,  November 15, 2009 2:55 PM

He he when u have a credit card, semua pun nak beli Shemah! So good thing oso la u don have any… :)

gagay,  November 15, 2009 2:56 PM

yayks! so sweeeeeeet! :* :* :* :* :*

gagay,  November 15, 2009 2:56 PM

weeeeeeeeeh! attitude prob! >:o

Recent blog:=- Rihanna on 20 20

gagay,  November 15, 2009 2:57 PM

:-D :-D :-D :-D :-D thankie GP!

Recent blog:=- Rihanna on 20 20

gagay,  November 15, 2009 2:57 PM

BL post is ready! ;)

Recent blog:=- Rihanna on 20 20

Mariuca,  November 15, 2009 3:00 PM

Wats so sweet GG? :)

Mariuca,  November 15, 2009 3:01 PM

Ur ex attitude problem GG? He he…nevermind, I KNOW someone better will come along…wait for it sweetie!

Mariuca,  November 15, 2009 3:01 PM

Kaming!!!

gagay,  November 15, 2009 3:10 PM

having Tito B bringing food for u! :* :* :* :*

Recent blog:=- Rihanna on 20 20

gagay,  November 15, 2009 3:12 PM

thankie GP! just gettin myself lah busy at school! ;)

Recent blog:=- Rihanna on 20 20

gagay,  November 15, 2009 3:12 PM

weeeeeeeh! 1 more GP,,the awards! ;)

Recent blog:=- Rihanna on 20 20

Mariuca,  November 15, 2009 3:13 PM

Ohhhh he he…yeah lor my MIL cooked today! :)

gagay,  November 15, 2009 3:13 PM

thankie GP! 8 pts for me! :* :* :* :*

Recent blog:=- Rihanna on 20 20

gagay,  November 15, 2009 3:13 PM

;) ;) ;) ;)

Recent blog:=- Rihanna on 20 20

Mariuca,  November 15, 2009 3:24 PM

Welcome GG, come chop MM later tonight! :)

Mariuca,  November 15, 2009 3:24 PM

Ok sweetie, buzz buzz me he he!

Mariuca,  November 15, 2009 3:24 PM

Keeping urself busy is good GG, study first then have BF lol!

Tekkaus,  November 15, 2009 5:12 PM

Hahaha :D You have a no-no box? That's so hilarious. :D

Tekkaus,  November 15, 2009 5:13 PM

I wanna apply one too...but I'm trying to choose which is the best. :p

Recent blog:=- Top 10 Most Embarrassing Moment!

Shemah,  November 16, 2009 12:41 AM

where got only one credit card.. he's got 2!!!
_____

Shemah,  November 16, 2009 12:42 AM

yeahh.. my mom already said, anything we do, please don't apply for CC!
_____

Mariuca,  November 16, 2009 1:56 AM

Ala 2 cards only…he he! Still can salvage easily LOL!

Mariuca,  November 16, 2009 1:56 AM

Listen to ur mom then Shemah, mmg good takde hutang2 ni! :)

gagay,  November 16, 2009 2:46 AM

a lot of BF GP! LOL! :-P

Recent blog:=- Black Eyed Peas SNL: Boom Boom Pow

gagay,  November 16, 2009 2:47 AM

i did all 3 chops GP! :-P

Recent blog:=- Black Eyed Peas SNL: Boom Boom Pow

gagay,  November 16, 2009 2:47 AM

hola tekkaus! ;) ;) ;) ;)

Recent blog:=- Black Eyed Peas SNL: Boom Boom Pow

Shemah,  November 16, 2009 2:54 PM

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!
_____

Mariuca,  November 16, 2009 2:58 PM

I wish I had 2 cards only to struggle to pay hehehehehe….nemind…slow and easy wins the OKB race he he… :)

Mariuca,  November 16, 2009 2:58 PM

You did chop all 3, thanks GG!

Mariuca,  November 16, 2009 2:59 PM

Too many BFs to pick one eh GG??

Mariuca,  November 16, 2009 3:08 PM

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!

Mariuca,  November 16, 2009 3:09 PM

He he I do have a no-no box Tekkaus! It’s a black Guess box, from my wallet last time he he! :)

ayie,  November 17, 2009 10:40 AM

Oh here it is you finally finished it! ;) ;) ;)

ayie,  November 17, 2009 10:40 AM

How was your weekend sweetie?

Rizal,  November 18, 2009 11:50 AM

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

Rizal,  November 18, 2009 11:51 AM

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

Rizal,  November 18, 2009 11:52 AM

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

Mariuca,  November 18, 2009 12:16 PM

Bestnye no longer on CC Rizal… I still got lots ho ho ho!! :)

Mariuca,  November 18, 2009 12:17 PM

Ha ha dua kali lima kalau kita pi shopping ngan CC Rizal, what to do…. Dah suka!

Mariuca,  November 18, 2009 12:17 PM

He he…susah nak control sometimes but it’s also good to have around for emergency purposes Rizal! ;)

Rizal,  November 18, 2009 12:23 PM

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.

Mariuca,  November 18, 2009 12:29 PM

Rizal, bila I depresi I eat and shop…huhuhuhuhu lagi teruk huhuhuhuhuhu!

Mariuca,  November 20, 2009 3:41 PM

My weekend was busy Ayie and I am still running around here multi-tasking! Hope urs was better. :)

Mariuca,  November 20, 2009 3:42 PM

LOL I finished it a few hours from deadline Ayie ha ha! ;)

ayie,  November 25, 2009 6:24 AM

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. ;) ;)

ayie,  November 25, 2009 6:25 AM

had a little time relaxing after attending sundaymass, me and hubs ate out and left our busy home

Mariuca,  January 18, 2010 8:14 AM

Good to take some time out for RnR sweetie, have fun!

Mariuca,  January 18, 2010 8:14 AM

I bet u already have most of the baby stuff ready right? How exciting!

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