Thursday, October 7, 2010

a call from citibank

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......

4 comments:

  1. your view give me lot of inspiration.tnx

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  2. from your personal loan clearly this show that you are not doing what your profess in this blog..

    cakap 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

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  3. This comment has been removed by the author.

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  4. Dear Anonymous , thank you for your comment and took the trouble to read my blog...

    I 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

    ReplyDelete