credit card | I am Danny Foo

God doesn’t want me to will a credit card

I never thought applying for a credit card would be such a pissing off experience. Let me begin my tale from the beginning. I decided to apply for a personal credit card so that I wouldn’t have to boggle my Dad with my spendings and I’d be able to keep Simpleet expenses more organized.

May Bank

My 1st choice was Maybank because of obvious reasons:

I’ve a personal account with them.
Smpleet’s account is with them.

Plus, my Dad and brother also suggested them because they said I should get approval faster since I’ve those accounts with them. But noooo, Maybank had to reject my application with such a reason every time I think about it, makes me feel like moving my account to another bank.

Their reason was: my salary slips were hand-written. -_-!!!!!!!! OMG!!

Seriously, I was so pissed off the moment I knew this. And I’m still pissed off about it.

Chinese Indian Muslim Bank

Moving on, from a bank who doesn’t recognize its own customer, I decided to give CIMB a whirl. My visit to apply at the nearest bank branch was met with too many people and there weren’t enough customer service officers. Hence, I decided to give the online application a try.

Well, I had to remind the CIMB Twitter support a couple of times to follow-up on my application. Other than that, one thing I learned from the experience was their staff emails couldn’t support ZIP files – from external emails, I think.

In the end, even CIMB rejected me because I apparently didn’t fulfill their credit limit. Which is weird because my salary is within their limit. Sigh. So there goes another bank.

City’s Bank

Yet to give up, I applied for Citibank because they had a booth at Curve while I was there with Ariel. The guy who attended to me gave a good vibe and I had a strong feeling Citibank would be my bank of choice very soon. With the Raya holidays at the time, my application was being processed, so I could only wait for good news.

Alas, Citibank also said they wouldn’t be able to accommodate at this time.

Seriously, this is when I’m already thinking to myself, God doesn’t want me to have a credit card.

Only thing now I can do – apply elsewhere

When I was discussing this with my Dad, his theory is that the annual income I declared in the application is different compared to the one in my income tax receipt. Well, it wasn’t very far off, and if this really were the case, I’m going to bring all my hard-copy documents along the next time and get the attendee to fill up the form for me.

Now, I’ve only 2 banks in mind I hope would defy God’s intention – Standard Chartered and Hong Leong Bank. Please don’t give me the lame excuse the tiger gave me.

Our World, Their War

As an 80s kid, I was ecstatic to hear when Transformers was made into a live action. After all, they finally had the technology. But for all you 90s kid who never knew what us 80s fellows went through, here’s a TV series of technology that time. LOL!

http://www.youtube.com/watch?v=M678PVOf5F0

Alright. So thankfully Michael Bay had much better toys to play with when he did Transformers. Plus, when I caught word that Devastator would be casted I was super happy. Then I started raging in the cinema.

Like the polluted image of the live action Dragonball, my Devastator was made into some 2 testicle beast! -_-!!!

transformer testicles — Wha the hell is tha?!

So maybe the animators wanted to throw in their 2 balls worth being behind the scenes. And maybe, Shia Lebouf with Michael Bay were convinced when they saw it from a different angle.

So Nuffnang asked, how you would protect the world from the Decepticons, and which Autobots character I’d be to protect the world.

All warfare is based on deception.
~ Sun Tzu

First of all to help Japan off their feet, we need Sam Witwicky to speak to the Japanese and get them to build more phreaking Gundams! These white awesome mechanically engineered fellows would make the Decepticons go, WTF?! and instantly take them as a threat.

life size japan gundam — Hell yeah! Source: koiaichaku.com

Then, like Sun Tzu says, we need to deceive our enemies. This is where we make replicas of the Gundam and Transformers merged together. They may be butt ugly, but I’m pretty sure the Decepticons won’t mind or notice if the Autobot had an extra ball or 2.

china gundam — Butt ugly, yes. Deceptive, of course. Source: robotsinmasquerade.blogspot.com

Now I know Sam may not agree with this. But why not for the fun of it, we call in Tony Starck as well. He builds things and loves destroying stuff, right?

shia-lebouf — Danny, my boy, you may have something there.

And finally, as a precaution, let’s load up all the people into Omega Supreme, just in case. With that, we’ll deceive the hell out of the Decepticons and kick Megatron’s ass back to planet Cybertron!

Oh, before I forget. The Autobot I’d want to be to protect the world with this plan would be; Rodimus Prime.

He starts of as a young, arrogant and experimental Autobot but soon matures into a great leader to make Megatron have a resurrection and beat Galvatron back into his little hole. Watcha!

P.S.: I’m still wondering what Decepticon ever had tentacles?

Can we trust Pos Malaysia?

The main headline of TheStar made me sick. Credit card fraud has reached a stage even involving Pos Malaysia postman! The very people responsible to deliver simple letters to wedding gifts from relatives who may be overseas.

This has diminished all my credibility of using Pos Malaysia’s services. Especially when I, myself am applying a credit card. It’s like if my bank told me they’re going to use PosLaju, I’d either tell them I’ll collect it from their nearest branch or I’ll refuse to apply a card with them.

Not to mention, Pos Malaysia has been actively advertising their PostMe service on TV. The spillover of this credibility crisis will not be overlooked by those customers. Who’s to guarantee my Ducati item will be sent to me?

I pray this Pos Malaysia incident slaps the higher-ups in the face and they think through to come up with a good solution. Otherwise, I’ll never use Pos Malaysia – ever again.