On the top of my most hated THINGS list, apart from maggots, loud-mouthed bitchy girls, kurang ajar young people are those handsome guys and pretty girls trying to push credit cards to you.
I abhor them because:
1. They are bloody discriminating
On days when I trudge into the hypermarket to grab a dozen eggs with my batik nightdress without a bra (just kidding, I am not so teruk ok?), no one bothers to give me a second look. On days when I dressed up, they chased me like a pack of dogs on heat after a bitch.
2. They are so damn ‘no big no small’
They think they can bowl me over with ‘Miss ah, Miss lu ai kedit kad boh?’. Choy…I am old enough to be your grandma, you must at least call me ‘Auntie’ mah…. or Datin or Puan Sri…..
3. They have no PR skills
Can’t you see all these 99.9% gold, platinum, Rolex and diamonds dribbling on my necks, wrists, ankles, ears, nose? How can you offer me a ciplak ordinary card? When I got my gold card, you aren’t even born yet, little boy.
OK, the main news, on the front page of the paper is the Government finally come to their senses and is going to tighten the issuance of credit cards. Ahhhh….finally, those pesky promoters are put to sleep, I hope.
I had long been very much against this idea of young people/people who don’t have the discipline owning credit cards. Out of a hundred, probably a handful has the discipline to use it correctly. The rest are signing their lives away without a care for tomorrow. This is plain stupid because if you do not have the money, don’t spend. You are going to be deeply in debts and suffer later. The debts will snowball and pressed you down till you can’t breathe.
I still remember when I first got my ordinary card. It was an achievement. It was not easy to apply for a credit card last time. I also remembered the moment when my young husband surprised me with a supplementary gold card on one of my birthdays. Dang, I can’t even remember how old I was then!
*We had make it a point never to buy anything on credit.
*All debts are paid by the end of the month.
*Credit card is to save us from carrying cash and earning some bonus points which get us free toaster, dildo, toys etc.
*The interests charged by the credit card company is blood sucking so never, ever owe them any money.
I am glad that as a couple, both of us are pretty discipline where money is concerned. We had been to cities like Paris, Milan, Melbourne etc and we had never return from a holiday burdened with debts. We make it a point never to sign our life, pride, dignity, peace of mind away. If we know we can’t afford it, we just let it pass.
I hope I have the discipline to bring up my kids with this same kind of thrift. However, I guess it is going to be a challenge. Both our parents are poor and never feed us with any money. Every sen we have are our own hard-earned cash. But our kids know they can always run to papa to rescue them when they get into deep shit.
So, do you sign your life away or spend within your means? Do you ever feel like giving the promoters a punch in the face when they chase you?
**Note : I have nothing against the hard-working young people who works for the banks/credit companies. I respect them for their guts and drive. Whoever you are, you are going to be a great sales and marketing person in future. I am only against the idea of banks pushing empty promises to people whom may get into trouble later on. All they care is earning the interests when you screwed up in payment.