Caller: Hallo....
Me: Hello...
Caller: Hallo...Boleh saya cakap dgn Encik Joe Bloggs?...:P
Me: Ya saya bercakap..
Caller: Ya saya John Terry dari Citibank. Encik ada masa 5 minit tak utk saya explain offer baru dari Citibank
Me: Carry on...
Caller: Mengikut rekod kami, encik adalah pemegang kad visa Citibank. Terima Kasih kerana menggunakan perkhidmatan kami...
Me: .........
Caller: Mengikut rekod kami juga, bayaran bulanan terhadap penggunaan kad kredit encik juga 'up-to-date'. Jadi, kami dari Citibank ingin memberi Encik khidmat cash advance. Encik ada memerlukan wang di masa sekarang?
Me: Saya memang sentiasa memerlukan wang tapi saya tak berminat utk menerima offer cash advance yg diberikan.
Caller: Oh. Kenapa Encik?
Me: Saya tak perlu wang sekarang nih......(gila poyo ayat)
Caller: Bagaimana pula dgn Kredit Transfer?
Me: Saya takde credit yg saya nak transfer.
Caller: oh...betul encik tak nak terima offer cash advance dari kami?
Me: Tak. Terima kasih...
Caller: Terima Kasih encik.......
-=conversation ends=-
Why I didn't take up the offer? Well...I don't see any concrete reasons as to why I should take it. Plus, I'm pretty sure that if I ever take up the offer, I'll ended up paying more & more money that I what I initially borrow...
I'm still paying for the personal loan that I took from Bank Rakyat. Bloody hell!! Bank Rakyat will be making more then RM15000 for giving me a bank loan of RM30,000. Blood suckers!!!
The point is, don't dig your own grave by getting a personal loan or a cash advance. Live within your means......
Subscribe to:
Post Comments (Atom)
your view give me lot of inspiration.tnx
ReplyDeletefrom your personal loan clearly this show that you are not doing what your profess in this blog..
ReplyDeletecakap memang senang bro.buat ja susah..
ps: why don't you take action to reschdule the personal loan.take a shorter period by paying a bit more and paying less profit to bank rakyat
This comment has been removed by the author.
ReplyDeleteDear Anonymous , thank you for your comment and took the trouble to read my blog...
ReplyDeleteI made a mistake by applying for a personal loan years ago....The thought of having 'borrowed' money to buy something I can't afford in the first place....I partially regret it but I learnt a lot from it...That's the reason I said...live within your means...
having said that...come feb 11, no more payments made to Bank Rakyat....wohoooo