My Credit Card

My Credit Card

First let me tell you what I did this weekend…

Saturday… morning… I did some shopping…
Evening … I continued shopping…

Hmm Sunday morning…
Any guesses???
Yes… again shopping… ;)
So was Sunday evening…

The credit goes to My “Credit Card” …

Well what is a credit card…???
It’s a small, thin plastic cut in rectangular shape…
With a unique number, your photo (that’s optional), a magnetic strip containing the information about the card n card holder…
It looks good in your wallet… an array of credit cards… Gold, Silver

It’s called “smart money”…
And you see regular ads showing “How it’s not safe to carry money…”
“Use visa/master card”…

Some ads even show… “U can get girl friends only if you have a Visa card”…
(Actually saying… it’s not completely untrue…
It’s always better if you have a credit card, especially when your bank balance is low
and the girl friends number is high)

From the day you join any company…, you will start getting calls from banks…
… or may be one day before joining (one of the banks came with a credit card offer on the previous day of my joining… J)

Nowadays… I can even make out from the number and the call timings… if it’s a credit card guy/gal…
They will talk very politely … “Hello… this is Ms X calling from Y bank…”
If am busy or in a bad mood… ill cut the phone without uttering a word…
Usually that will make my conscience prickle …
Ho I should have talked… or at least should have told “sorry, not interested” …

Sometimes I try to see things from the credit card agent’s shoes…
They are doing their duty… it’s their job…
How bad they will feel when someone cuts the phone without uttering a word…
Whole day, they will be calling people like me…
Whole day, they will be hearing “No” n “No”…
Sometimes I ponder… How happy they will be… if they hear some nice words from their customers…
After all… they too are human beings…
So when I speak (that’s rare)… I try to be polite…
I wonder… how many people think like this… but next time… when you get a call like that…
Try to see things from their perspective…

If am free… I talk…
Usually I politely decline
Telling… I already have the card…
Then they will tell “its life time free… do you have gold card… blah blah”
Ill keep saying “yes… yes…”
Finally they will ask me to refer someone…
Well ill give my roommate’s number …
A small favor that I can do for my roommates ;)

Actually… some of my friends wait for such calls… to talk… especially if it is a sweet female voice…
I have seen people becoming friends by such calls… then affairs… well well…
and one extreme case that I know… it finally ended up in marriage…
See… credit cards are very useful… ;)

Hey… ill tell you one more enthralling incident… ;)
Once… project meeting was going on…
A very serious discussion…
Everyone very tensed… PM thinking what to do… how to solve this problem…
Suddenly the phone rang…
“Well a ringing phone has to be answered”…
The call was received and put on speaker…
And everyone anxiously waiting… for the caller to speak…
And the caller spoke…
“Hello… this is Mr Sundaram from XXXX Bank; we are offering a life time free card…”
We fell about when we heard this…
Suddenly the tensed situation changed to a comedy situation…
Credit cards do have such uses… which we never realize…

So far so good… Its useful in numerous ways… provided you have some control…
U’ll never know how much u spend… until you get the bill…

Wonder y am writing about credit cards all of a sudden…
Its coz… today morning… I almost fainted when I saw my credit card bill…

It’s a wonderful thing… product of the new generation…
Pretty useful most of the times… very handy…
But … its looks like a word which I used very often… is missing from my dictionary…
Guess what… it’s the word “savings”… J