bank

credit card… yey!

Few weeks ago, I’ve been wanting to shout to the world regarding the approval of my credit card application (with another bank, ha!)! However, I restrained myself and waited until I receive the card. And I finally got it yesterday! Yey!

Indeed, there’s a rainbow after the rain (see related article -> credit card ). So… What is my first purchase? It’s a 20-piece screw driver set from Canadian Tire! I bought it online for my Dad.

Second purchase will be the domain name in which I’ve been eyeing on. I hope it’s still available though, it’s been months since I tried getting it using my credit card from the Philippines. It didn’t work out. According to the customer service officer’s email, the purchase got rejected because it’s “mandatory” for the shipper and credit card address to be the same. It’s crazy, but it’s true. I guess I should be happy with the tight security provided.

How about the third purchase? I don’t want to reveal that one. :p The goal now is to keep using my credit card in order to earn credit score and build my credit rating! Ha! And the most important part is to make sure that the bill will be settled before the due date.

Hmmmm… unfortunately, I can’t process my second and third purchase at this time because the wifi chose to be “drunk”. It’s practically “impaired”! Argh!

Gotta snooze now. Mmmmmwa!

credit card :(

I previously worked with a North American bank so roughly I have an idea on how the deposit and credit card accounts work. Thus, as a new immigrant, I was aware that I won’t be able to apply for the “normal”* credit card since I don’t have yet a credit score**.

It is advisable for people who have no credit score or bad credit standing (a.k.a. delinquent payers) to apply for a secured*** credit card instead. Nonetheless, when I received a call from my deposit account bank, informing me that I was “pre selected” and qualified to apply , I “pushed” my luck and made a go. Ha!

After two weeks, I received the rejection letter. Darn! I was a bit devastated and in denial for a few days. When it finally sinked in, I went to the bank to inquire on the following:

why my application was rejected?
how can I earn a credit score?
what other alternative card should I get?

The bank personnel referred me to go to another bank and apply for a secured credit card. Just what I’ve known from the beginning. I got too excited when I received that phone call which overpowered my common sense and made me gullible. Sigh.

I did not go to the bank where she suggested me to go. We’re not talking about vengeance here, I just went to my preferred bank. Ha! I prepared the documents (payslips, employment letter, bills) and IDs needed. I even took a screenshot of my bank account summary (which proved to be beneficial ).

The bank officer was impressed on my “preparedness” and he particularly adore my screenshot. Hence, he offered me a “normal” credit card and not the secured one! And he assured me that he will do his best to help me get the approval.

I will know the result next week. Fingers crossed… Let’s hope for the best! Aja!

james

James is my 6-year old adorable and quickwitted nephew who taught me how to play beyblade, Wii, and Xbox. He also wanted to teach me how to play Bakugan but I kept giving excuses. :p

In any case, below are some of his cute funny moments:

Credit Card
James: Mom, can I borrow your credit card?
Mom: Why James? What do you need it for?
James: I want to buy toys for free.
Mom: What do you mean for free?
James: Because if you use a credit card, you don’t spend money. You just swipe the card! You should use it more often Mom.

Can you believe it? He already had that concept at such a young age. omg!
Note: It was later on explained to him that the credit card is paid through the bank.

Phone
James: Hey Tita, why are you always using your phone?
Tita (TheCuriousMe): Because you’re always using my laptop James. I’m using my phone to surf the internet, chat, browse facebook, listen to music, watch videos, and write articles for my site.
James: Is it a phone laptop?
Me (TheCuriousMe): Yes James.

James stopped talking and was in deep thought for a moment. Then he suddenly grab his Nintendo DS and dash off to the bathroom. Maybe to internalize how “phone laptop” works. I’m sure he will figure it out when he’s few years older.

School
Me: James, will you be in Grade 5 next school year?
James: No, I will be in Grade 2.
(Note: He’s currently in Grade 1.)

Me: How come? Can’t you choose? What if you want to be in Grade 6?
James: That can’t be. I need to pass through grade by grade.
(Note: His expression is really serious and he sounds like we are discussing a very crucial topic)

I just smiled. Another lesson from James eh? To sum it up, we can never climb Mount Everest in just one day. We can never move a mountain with one push. There’s no shortcut. It should be taken one step at a time. Aja!

Moreover, one thing that he can’t live without is Pinky! It’s a pink stuff toy that was bought before he was born. His Mom thought she will give birth to a baby girl but it turned out that it’s a boy! Sans James and Pinky are like twins, simply inseparable!

That’s my nephew, James. Isn’t he adorable?