marahnyaaaaaaaaaaaa!!!!! i was so pissed off yesterday... ngan ***bank... my loan officer suddenly call and ckp ada problem pasal my credit card... apparently i'm being blacklisted bcoz of my cr card overdue debts... pikir2 yg mana satu... semua tak jive.... suddenly remember pasal this one card yg the bank dah pre-approve tp i tak ambik... check punya check, confirm its relating to that.... apalagi, terus ler angkat telefon and ask them to explain... dah la they don't take u seriously when u call and make complaints... and now this!!!! thats too much laa.... habis angin satu badan... heh...
pagi2 lagi tadi dah draft complaint letter... siap mintak legal advice from x-lawyer fren lagi... dont wanna put down the wrong thing kan.... dah fax and still awaiting their response... by lunch, dah cool sket la....
lesson learnt:
- alwiz do things in writing; do not depend on phone call to CSR... not so effective
- when u get pre-approve cards, alwiz reply in writing when u decline
- alwiz pay cr card bill on time every mth.. they will accumulate ur mths in arrears till you discontinue ur card usage... this will affect ur credit rating... determine if u're a good/bad paymaster
apapun.... nowadays, hv everythin in writing.... coz u never know whats gonna happen in the future.... i've learn my lesson... cr cards may be convenient, but its also a menace if u dont ctrl ur debt... i'll try to be a cash person fr now onwards...
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update: got a letter from the bank after 2 weeks... with their sincere apologies and promised to uplift my name from being blacklisted.... well, Thank God.... but this lesson really taught me to be careful next time and just not take things for granted...
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