I have just received another credit card – it’s a Petronas Visa Gold card from Maybank with no annual fees for life with no conditions. I didn’t apply for it since I’m not a big fan of filling in forms, but someone from the bank called me and told me I qualify for one and asked if I was interested. I told her I don’t like filling out forms (seriously, I hate doing that) but she can go ahead and fill in my particulars for me if she needs the quota, I’ll just make sure there is no High Risk Credit Card Processing wherever I decide to use it
Well, I got a call yesterday saying that the Petronas Visa Gold is ready to be picked up. I’m actually quite lazy to do stuff like that as well, I remember a HSBC credit card that I never picked up coz the place is too far away from where I work. My girlfriend wanted to go to the bank though, so I decided to pick this one up during lunch. I figured it’ll be useful for gas since I pump petrol at Petronas and it’ll soften the petrol price hike with the points for redeeming petrol vouchers.
However, I have noticed that I always tend to overspend, which is why I don’t carry credit cards in my wallet anymore. I used to have several cards from different banks and ran up a huge debt when I started working. I have to admit that I was never any good at budgeting and I always spend way beyond my means. The amount of money I have in the bank at the end of the month is always in the single digits. Seriously.
Nowadays, banks are overenthusiastic in giving out credit cards – cold calling and going to the extent of filling in all your details for you. It seems that Classic (Silver) cards are reserved for students and fresh graduates starting work since they don’t even offer those anymore. They are very keen on giving out Gold and Platinum cards with high credit limits with impunity, which is great for the bank, but bad for the holder. I can see the potential of overspending on this card already.
I was talking to my girlfriend last night about going on a trip this coming holiday. She likes the beach so I was thinking either Krabi, Bali or Macau. Macau was my choice since there are casinos there and I have this inappropriate romantic sentiment that I’ll beat the house odds and win the trip costs back. 😉 It’s seriously a bad idea though, coz no one ever beats the house.
Bali would cost around RM 2,500 for the plane tickets alone for the both of us ex-Sibu and I think the total trip would probably hit the RM 5,000 mark easily with hotels and food. I shouldn’t even be thinking about it considering I can’t afford 5k right now (since I don’t have that much disposable income in the bank, and thus will be flying on credit).
…but the fact that I’m even considering it seriously is a testament to the fact that credit cards with high credit limits causes people like me to overspend.
I should be dating an accountant, the last girlfriend I had would have knocked me upside the head (coz she’s good at budgeting and all that) for even considering going on the trip. Oh wait, my current girlfriend is technically an accountant too. 😉
Oh well, I’m thinking about Krabi, Thailand. It’ll be cheaper than Bali and I haven’t been there before.
Hmm…should I or should I not?
Anyway, I haven’t given my girlfriend an official sixthseal.com moniker yet – I’m thinking Dapple (20% related to her name) or Melody (near 100% translation of her Chinese name). The relationship will remain under wraps until further notice due to prevailing circumstances. 😉