100% Kelly

I love how a credit card sales agent grabs your attention by an opening statement such as, “Ma’am, you are qualified to receive a P50,000 check from xxx Bank.” If it’s your first time hearing this, you’d probably say “yes” right then and there. But I have heard that line too many. So even before the sales agent could finish his sales pitch, I’d cut him off and say “I’m sorry, but I have to decline. I really don’t need the money right now.” While this is partially true (hey, everybody needs money eh?), I really don’t want to be incurring another debt, most especially a credit card debt (which charge notoriously high fees). I am slowly paying off my credit card balances as of the moment, so unless I want to go bankrupt and carry out an IVA, I am staying away from these credit card companies.