This December, I have spent the most for the year in 2010. Recently I bought an iPhone 4 for $2,600 which I have happily been using since then and about $5,600 in Uniasia Life Insurance which is a joint venture between DRB-HICOM in Malaysia and UOB bank in Singapore. The sum assured is $46,000 for 2 policies. I also bought small souvenirs as Christmas gifts for my family like various flavored shower bath in small tubes from St. Michael’s in Sunway Piramid. So it is not surprising that Citibank contacted me yesterday for payday loan. They must have checked that my credit card charges are exorbitant this month unlike other previous months and that is why that contacted me to check if I need Cash Advance Loans from them.
Total, I have spent more than $8,000 in 1 month and that is a whole lot of money! Also paid $498 for Orient Real Rewards where you get discount vouchers to stay in hotels and dining all over Malaysia. But I paid for it mainly for the free $200 medical checkup with blood test and cholesterol test in Adventist Hospital in Penang. If they have exagerated all the offers and the medical checkup, I am going to cancel this transaction next year as I agreed too fast on the phone since the telesales marketer put it so attractive on the phone. Canceling my transaction is easy! Just write a letter and fax over to Citibank for the transaction to be off for the following month and don’t pay for it.
There are a few links that offers No fax payday loans for you to check out if you are short of cash and need spending money this coming Christmas. I am lucky, I have access cash to spend and don’t need to get loan at the moment. But I have to certainly watch out my spending in future and not be so frivolous in using my credit card.