One day, I applied a credit card to one of the private-big bank in my lovely country. After completing what they needed from me, such my resume salary, my identification (KTP), family data, work and so on, I had to wait for almost two months to have the answer.
The answer mad me very astonishing. I have to let my money in bank (such saving) blocked as guaranty. Suppose I want to have the limit of 5 millions, I have to let my money 5 millions blocked. This is his regulation.
To this regulation, the question is what for we apply for the credit card if we have the money blocked. Better we use the money cash to buy something. That is no rate and so on. As we know that spending by credit card is debt.
Finally, I do not answer the letter. I promise not to save the money in his bank.
As a teacher or lecturer, some time we found a good book that by that time we do not have money in cash. So maybe the credit card will help us that we can pay again when we have salary paid. But, it is nothing. Nothing more than ... Gak usah akh!
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