I have been so nice to the bank agents who call up about new promotions on credit cards and said nicely but firmly that no i don't want another credit card. With some types i have gone to the extent of explaining that personal finance and me are like a crumbling cup cake.
The last month and a half i have not run into shops and bought stuff randomly. I even cancelled one of the credit cards in a bid to turn over a new leaf.
Last Saturday was at the dentist with D when i realised i had no money in my wallet. So quickly popped to the ATM at the nearest bank. After taking cash i don't know why i walked up to the agent and told her that i want to apply for a credit card. Behaviour out of the ordinary is what i would categorise this. So i applied for a credit card ignoring all the promotional stuff. Have been feeling guilty all weekend about this new acquisition which i can cancel but i know i wont.
Maybe i will cut it up when it arrives. (maybe after i use it just once)
5 comments:
:O Well, you've done good to last this far. But maybe you won't need to use. Maybe you should keep it as your "emergency" card - something that you know you have jus tin case there's a spending emergency!
Hello was wondering what had happened to you!
The name itself should be a warning - Credit.
'Credit is the provision of resources (such as granting a loan) by one party to another party where that second party does not reimburse the first party immediately, thereby generating a debt, and instead arranges either to repay or return those resources (or material(s) of equal value) at a later date.'
Generating a debt should you a clue? I am a nice one to give you advice, hols in Paradise this time around and got the shock of my life when the bills turned up. My weakness is that I just pull a card out and pay, never keeping track of what I pay for.
So im guess your busy with the credit card, is that why you've been missing :D hehehe
Well so far good going.. until u got a credit card.. :D but goood luck....
he he ....oh well put it down to retail therapy. you never know when you'd need a dose ;)
scrumpy- i hope i do that scrump bit worried cause sometimes everything is an emergency
vice- oh dear well its a good thing i wont be going on vacation until august
Ls - its suppose to arrive this week hopefully i wont get busy then
sue- i hope i can control the cravings of retail therapy
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