Credit Card fucking term and condition and fucking clause and all da fuck about CC

Hi hi



Duno who da bloody fucking idiot invent credit card (CC). its good thing oso la when u dun haf enough cash u can used it. but over doing it, u will have worse nitemare compare to hell, or at least ur last time headmaster.



bank dem fucking good in manipulating their puki system about CC. da 1st time i applied dem easy. but approval seem hard. need u show proof dis n tat la. approve liao onli call u n congrat u. all the procedure seem so nice to prevent other fucking ppl to cincai use da bloody CC.



but nowadays approval dem easy. one fine day at maybank puchong near tesco. a guy promoting petronas maybank CC to me. looking at him, i was like, y not apply n hope dis guy haf his komisen. being kind enuf, i gif him my IC to photostat, write in some particular, but not all. he request number from my imediate family, i gif my mommy number, he seem hestitated. he wan my bro number. i just thought later u guys call n kacau my bro, so i just dunwan to gif. and there still 2 not complete info i given them. 2 months pass by, sudden pop out i had maybank CC. hope he got the komisen.



then another case is Southern bank CC i applied at One U new wing. tat guy gif show me free ticket redemption at TGV One U, but being nice i just apply. same thing, not so complete info, then 3 months later pop out CC. but Southern bank better, got RM50 Voucher. not bad ma. but oso veli tempting. they insert RM5000 cheque for you, as part of their package to lend u money, as personal loan. once u cash it out, u r in hell.

HSBC bank once open booth down my office, whole day i pass by few times, c c look look, like not a single application they had sign up. poor thing. again i volunteer myself, but easier to approve, cox i duno how their policy in approving the CC application ma.

But to cancel the fucking card will b nitemare oledi. Imagine u had to call all da bloody fucking CC department and say u wanna cancle, then direct u to cancellation dept. few days late ronli call u say they gif u free for life CC. if u r guy holder, they will send a sweet-sounded-lady-but-face-i-duno-how-ugly-she-will-look-like to call u say no need cancel and free for life. then after few months u reli wan to cancel, they said oledi gif u free. u need to wait 11 more months cox they haf waive the annual fee for u, so u must compensate it by keeping it another 11 hell months. i wan like fuck man.

then da best i receive is HLB CC. they send u by courier, and inside oledi stated to activate, u need to call to the centre to activate. i had indeed receive but since i no use for wat the fuck i wanna activate. then less than 2 months the fucking bill cum. they charge me annual fee just after 1.5 months i receive, and i not even fucking call the fucking CC dept to activate the card. is the financial crisis cause bank to use all da fucking way to cheap all ur fucking money? they stated there is the clause there, where u no swipe more than 5 times after u receive they will charge u fucking money. so good. tat is y the called bank is FUCKING LICENCED AH LONG LTD. i called and fuck the CC dept. asking if they can simply charge ppl money if not activate. and for wat the reason to activate. i belif one of the reason is to confirm they had oledi receive it. but if i not yet receive and they still charge me how. FUCK THEM LA.

i fuck thru phone, fuck in email n fuck all HLB personal. then finally i receive letter they had cancel my card. at least i can stop fucking and haf normal life for a while.

so next time, if reli wan CC, dun fucking care wat the agent of any fuck ppl said, spend time read all the T&C, else there will b more ppl end up life in hell world. wat a PUKIWORLD it is.