chaka chaka

when JT told me never to get a credit card, i thought he underestimated my awesome willpower.

it was i who underestimated how evil the cards are. and no, i didn’t go on some monaco/dubai shopping spree, they are. just. fucking. evil.

so the first time i got into a little hot water was when i had that scuffle with the divider. going 60kmh on a sharp bend after a heavy rain was my own damned fault. which also threw me off my anal retentive payment schedule and turned me into a revolver.

in retrospect, my neurosis might have added to the whole mess. i tried paying off everything every month, which was probably beyond my means. and so i swiped for this small purchase, for petrol, for whatnot. lo behold, the next month i’d only cleared a few hundred ringgit.

luckily for me, when arachnid sent me to london in march, they also helped clear my debt. mr finance director plonked a cool 13K into my credit card so i could pay for room & board in chelsea. i did warn him that i suspected 2K would go to paying for my accident, but being the sugar daddy he is he merely shrugged it off.

arachnid balance transfer. how awesome.

anyhoo, i did make a call to HSBC’s call centre to see if they could credit me the 2K. half-heartedly, of course.

me: could you check and see if you can credit an amount in the original outstanding into my savings account.

HSBC asshole: let me check with my supervisor.

*twinkly call centre music*

HSBC asshole: yes, my supervisor said it’s possible.

me: could i get your supervisor’s name?

HSBC asshole: *nervous giggle* actually, he’s not my supervisor. hold on.

*twinkly call centre music*

me: WTF!

finally lodged a complaint. HA! take that shit, you idiot.

oh what other horrors lay in store? in april i bought my lovely white macbook with a 12-month instalment plan (do the breakdown yourself) and that was fine. i also splurged a little this month (crumpler, mayday DNA DVD!) which is not so fine but still ok. who knew that HSBC’s apparent payment hierarchy meant that whenever i paid out of the little window between Statement Date and Payment Due Date all my funds automatically went into paying for the mac. not my retail spend. EH HELLO WTF IS THIS SHIT? BANKING THROUGH INSTINCT ISIT? NO ONE TOLD ME ABOUT THIS YOU FUCKS. so the thousand four hundred ringgit i threw into my card this month? nothing. didn’t offset my expenditure a single sen. they happily carried it forward. because they’re bitches, and to bitches the word “instalment” means, “please please please fuck me. fuck me hard and make me cry.”

but hey, this lovely lappie is half mine already.

i’m working up a nice lather of cold sweat just thinking about it. i… i did my hair. and it’s not paid for yet. *throws up on shoes*

for illustration purposes only. never even touched this card.

so i cancelled my card. but not before redeeming a couple of vouchers from my points first. umm, yay?

ARGH. I’M IN DEBT AGAIN FUCKERS. FUCK YOU HSBC.