Changing my spending habit.

I remember vividly the first time I was offered a credit card whilst serving my the first posting of my housemanship in Klang General Hospital. It was Citibank. I have zit idea on how they managed to find out information on my whereabouts and sent an employee to get my particulars, which I was more was happy to share. I mean.. come on. My first credit card, which marked a milestone in my life.
Well, as time passed by, I've got quite a few credit cards and I've learned that it can be a double edge sword.

Whether to make it work for you or against you,one just need to be smart as a consumer. That is when I made the long and hard decision to cancel my Gold card.

I've made many purchases with this card, my overpriced Mountain bike which easily cost more than a motorcycle, my two BB gun with its accessories, my car's souped up 8 speaker surround sound doubled amplifier with a 9 inch woofer sound system, various anniversaries gifts,etc....
Now that I have 3 children, I have to make sacrifices, have to control my spending.That is when I decided to give up the card.....a hard decision indeed....

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but it's necessary to do so as I got myself upgraded to a Platinum Card!..;P