Monday, September 05, 2005
the devil he taunts
I got a call from HSBC last week. They are offering me a credit card. The devil on the line she was talking in financial terms and I could barely understand them. She said something about zero-interest. And also mentioned of fees that are waived. Then there ensued a battle within myself - should I? Knowing full well the temptations and sinfulness that will abound once I have the power of the swipe? Should I trust myself that once I have such power, I will be overcome by the bright light of wisdom and discipline? Or do I demean myself and brand myself a sale-sinner with no hope of control?

I posed this dilemma to my mother. She said that it will be good for me to have a credit card. This notion was ammended by my father, because he said that it will be good that i have something called "credit identity" which I could not fully understand the benefits of. My mother said that I was actually sent an HSBC credit card offer via Asia Miles. It says that I am pre-qualified and I only need to give my social security number. The devil he really knows how to catch his prey. I will call HSBC if this "pre-qualification" that it speaks of is true.

Alas, I am a sinner. The devil he knows me well.
dezphaire strapped in @ 2:57 PM  


  • At 5:11 PM, Blogger dreaming-neko said…

    it is important to start building a good credit history so that you will be able to take out those big loans for cars and homes.

    but let my failures be a warning to you: i recently took out a $10,000 loan from my 401k to pay off the credit-card debt that i had accummulated this past year!

    so live within your means or learn the hard way...

    p.s. i am always wary of giving away personal information over the phone like that. please be careful and good luck!

  • At 8:18 PM, Anonymous apester said…

    aw man, credit card! i swear dez - with one of those little things, you can delete the word 'save' from your vocabulary. then again, that might just be me :P

  • At 12:05 AM, Blogger Sapphire Dreams said…

    I got my HSBC credit card just last September 1. It's my first credit card. (It's been 5 days and I haven't used it yet. Yeay me!)

    They have this promo now and all you have to do is fill up the application form, pass some of the requirements which are pretty easy to get actually and just wait for your card!

  • At 12:08 AM, Anonymous she said…

    my friend wanted us to get credit cards, yun promo for graduating students.. buti na lang may lakad kami on the last day of submitting the requirements kaya the plan didn't push tru! buti na lang talaga or else i'll spend my first salary paying for debts. in the future na lang.. :)

  • At 10:10 AM, Anonymous jojo said…

    teka..pwede ba ang credit card sa ukay ukay? heehee

    i think the trick is that you should only swipe whenever you don't have cash. and that you're able to pay in full once the charge is reflected on your bill. tough noh?

  • At 1:36 PM, Blogger qroon said…

    I got my Creative MuVo using HSBC card :) But if you are like my wife, don't get a credit card! :D

  • At 10:38 AM, Blogger dezphaire said…

    dreaming-neko: oh gad. i am so warned. so very warned.

    apester: can you just imagine the struggle that will happen with the words "sale". incidentally, only one little letter spells its difference with "save" - very easy to delete such discrepancy.

    sapphire: wow that's cool! gad the devil he so knows us well.

    she: that's called divine intervention :)

    jojo: sana nga! and actually the reason i wanted to get one was for emergencies i.e. running out of gas and cash at the same time.

    qroon: ack a Creative MuVo! i foresee doing the same thing. and also for an underwater casing for my digicam... the Dan Brown illustrated novels... oh no.

  • At 11:54 AM, Anonymous jayvee f. said…

    i got my HSBC credit card last year. they already upgraded my credit limit. i think you should really get one at this age to build your credit standing. so far, so good.

    based on my experience, my credit card has been more of a life saver than a burden. :)

    i have zero debt!


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