A telecaller from a bank that never sleeps woke me up from my midday slumber. A oh-so-sweet voice asks me whether I would like a free credit card. Free credit, who doesn’t want that. But all the credit that I needed after a graveyard shift was of forty winks. In the most pleasant tone that I could manage half-asleep, I thanked her for her efforts to deprive me of my debt-free status and switched the mobile off. My much-needed seven hours of sleep had been cut short by an hour. I pondered over the pros and the cons of a credit card and the adage Jitni chadar ho, pair utna hi phailao (Stretch your legs only as far as the sheets go) put a stop to all of my spending dreams. I had heard enough of credit card woes from my colleagues and cousins and I didn’t want to add another unwarranted enigma to my already ‘complicated as a woman’s mind’ life. I am content with my debit cards and they also keep a check on my shopaholic gene (I inherited it from my mom).

Already a debt of $100 is pending against my Indian citizenship as percapita external debt. I think the credit card companies have to wait till that is cleared before commencing to drill a hole into my wallet.

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  • Bionic 1

    Are there any fish left in India, or have they all died from the polluted water over there?I hear it’s so crowded in India that if you fainted you wouldn’t hit the ground. LOLJust kiding dude, I wish you all the best my freind.Enjoy the rest of your weekend. đŸ˜‰

  • KP

    “‘complicated as a woman’s mind’ “you amuse me,now!!:)))))

  • dwaipayan

    yeah! the credit card sellers are really annoying.and it’s always better to opt for a debit card. btw, i had no idea about ur shopaholic ness.

  • KP

    oye…and wat about credit cards for convenience???why not get access to free debt for 15-20 days/a month,depending on when u make the purchase??when the card is free,too?

  • KP

    oye…and wat about credit cards for convenience???why not get access to free debt for 15-20 days/a month,depending on when u make the purchase??when the card is free,too?

  • Abaniko

    I used to have five credit cards but I discontinued them except for one. I hate credits but I have to retain one for convenience. I just see to it though that I don’t overspend.

  • Vijay Krishna Narayanan

    Yeah, I agree with Khyati. Why not have a 15-day credit? After all, credit cards, just like guns, never hurt anyone until you…