My Credit Card RM10K Debt

I couldn't say no. The promotion was talking to me. Telling me how I would not get the same kind of deal ever again if I missed this once chance. Everywhere I go, I am plagued with attractive promotions, words like Buy 1 Free 1, 50% OFF, up to 70% OFF gets me all the time. Now with online shopping, it gets worst. Coupon codes, promotions, happy hours, daily bonanzas, free shipping oh my purse.

Not that I am loaded, to begin with. I just have this bad habit of shopping for things I don't need. I admit I buy things when I can't even afford them. It's the credit card; you just don't notice how much you spend until your statement arrives. I blame my poor self-control on not knowing when to stop, and when to save.

I remembered at one point, I owe RM10,000.00 with three credit cards. I was just a fresh graduate with a salary of RM1,700.00/month. I'm not kidding. I didn't know how to control myself using the credit card, and at first, it was just a few hundred ringgit. Then it became a thousand. By the time I woke up, I already have a 10k debt on my hands and I was sweating.

It took a year to pay them off, along with the interests. I learnt my lesson the hard way.

How did I do it? First, I cut two credits into half so I don't use them again and buried the other one somewhere in my room. I kept to the min. payment for each credit card with my meagre salary. I took on extra work, became a personal shopper, held a garage sale and finally, my debt was paid off. Of course, I didn't tell anyone that I'm in such a shitty situation. My ego won't let me.

However, even after that... I still spend like there's no tomorrow. Buying gifts for friends, throwing gatherings or parties. Buying things I thought I would review but eventually, it's collecting dust at home. They say being a blogger you can earn money, I think the opposite happens. Being a blogger you actually spend more money. You need better camera, gadgets, and trendy clothes. Then think about throw giveaways as well to reward your readers. Sometimes you spend more than you get for a review. E.g if you needed to review a cool new skirt you got but went on to buy a matching top, accessories, a nice hipster cafe and buy a coffee as prop.


The inner beauty guru voice talking to you whenever you go out "window shopping". Must buy this, and get all the collections and shades so you can be the no.1 blogger to showcase all of it for fans to read. Your post would be "complete". They'll love you!

Then you realise there's not enough time to even review one item, let alone 10 of them in different shades because of [fill in the blanks].

Tell me, how on earth does being a blogger actually earn money?

So yes, I still don't know how to save (is KWSP consider saving?) and I still use my credit cards. The one thing that’s improved? I stuck to one credit card only with a max limit that I can handle. I could feel the money going away when I could've bought an apartment and pay loan instead of rental. BUT will my loan be granted? I dare not even speak of my credit history. It must be like ablood stained, bullet hole statement.

I remember when my ex-basket fiance who bought a home without consulting me and cutting me out as a co-partner (we were to get married and live in it) with the excuse that apparently, he checked my credit rating and I was not qualified to share a loan together with him. In fact, I would bring his credit rating down. OH! Wait till you hear what I have to say about this soon! Continue reading.


Recently I got my credit report from RAM Credit Information Sdn Bhd (RAMCI) because of an incident; someone used my credit card details overseas for online shopping. This is not uncommon, Google identity theft and you'll ready stories of how someone can one day go bankrupt because they owe banks for a loan taken / as guarantor. You can even get into bad debt and be blacklisted out of nowhere because someone used your identity to apply for a phone contract. Seriously, you would be shock to know how easy it is to have your identity stolen.


So how did I find out about the fraudulent charge on my credit card? I received an sms from Citibank updating that I just paid RM1, 300.00 at xxx site. Panic, I called my Citibank to tell them I HAVE NO IDEA! Bad news? It takes weeks to months to investigate and then cancel the charges. We're talking about my money here, I can't wait that long! Also, I'm for sure *&^%$%^ not paying that money. Citibank stopped my credit card and reissued a new one to me. Still angry with the "scammer", I checked the company and it turns out to be an International online shopping site.

Immediately I contacted them on Facebook and on their hotline to tell them that I did not authorise this payment and it has been reported as fraud. I told them to check the status of the order and to stop it from being shipped. Otherwise, both parties will be losing in the end.

Thank goodness, the site manages to cancel the order and also my payment!

It made my day horrible, panicking over what happened but I felt a great sense of achievement having to stop crime and save that site's goods as well.

This one incident left me to question, is there anything else that I don't know about? Like a loan, I don't know, an extra credit card somewhere in the world? I got RAMCI to check my credit history, just using my identity number! I was so afraid to look at the credit report (it was just a few print out pages) because you know; my credit history is... the shit.

I opened my eyes and... saw Risk Grade 10 (Strong). RAMCI told me this means I have a really good credit rating and was able to apply for loans if I wanted! I didn't believe them because I've bad debts and well still owing credit card. But apparently, I was a good paymaster and I never missed a payment. I paid all my debts on time as well. I didn't owe any phone bills or have a secret house loan that I don't know.

Wait, I was good for loans? Then why did my shitty ex-fiance said he checked my credit history and that I wasn't qualified at all? #caughtredhandedbigfreakingliarmanipulativebasket

I also asked RAMCI whether third parties can check our credit history? RAMCI said nobody could do that but yourself with your identity card. You will have to be the one to apply for a credit report. Guess what again? I checked my credit report for people who ran a search on me, there was none!

BAM #lyingfreakingnogoodbasketcaughtredhandedagain

SO GIRLS, DON'T GO ON BELIEVING YOUR "PARTNER" SAYING YOUR CREDIT IS NO GOOD TO SHARE A HOME WITH (SO HE AVOIDS SHARING PROPERTY WITH U BUT ASKS YOU TO DO EVERYTHING ELSE FOR THE HOME). RUN FAST FAST!

(you can see how emo I am here)


Get your credit report because it helps you to know where you stand now in credit rating, so you can consider applying for loans. It also helps you to track if you have any "ghosts" in there using your credit or identity. Right now, I'm giving 1st 10 readers of mine a chance to bust any ghosts on their credit report and to see if they are credit worthy for loans.



 Just leave a comment here with your e-mail, on why you want a free Personal Credit Report PLUS.

Terms & Condition:
1.Open to all my followers residing in Malaysia holding a Malaysian identity card.
2.This credit report giveaway starts from today until 12/12/16.
3.Winners will be notified on this post (under comments)
4.I reserve the right to amend any terms and conditions herein without prior notification.