EMDWers plz some respect | Why always anyhow say I land in CC debt

defnull wrote:

incorrigible. confirm history will repeat and u will tell sob stories. u buy a 5k slr when u were jobless and continued to buy more gadgets.

u can continue to persist in ur version of story. ask everyone else here what they think

Sent from Xiaomi REDMI NOTE 2 using GAGT

Time to time, again and again.
Yet another to another still want to bash me on I anyhow
use my credit card thus I land up in debt.

I think I haven't been cleared about my credit card usage
yet some still want to fault that I do not know how to use
credit card.

Yes you maybe right especially for a f u c k e r who cannot keep
his job.
Let me clear again that that was like four years ago in 2013 when I starting having credit card it was only in early 2016 all cards were cancelled.

Back than my usage is like this:
Bank A - Installment down-payment for camera since I am also
photography as PT at that time
Bank B - Balance transfer
Bank C - Balance transfer
Bank D - Day to day use/Main card

Yet again people think I am so sought of snob, got a decent paying job at that time want to own a Canon High end camera.
FYI photography at that time was my plan for passive income.
So just how many of you use your talent to make money.
I guess none just stick to your 8 to 5 pm job.

When I got fired back in 2015 (That was like two years ago), I still managed to managed my Credit card for the entire 2015 without income nor job.

Surprising is that I had two banks that I had balance transfer so don't ask me what is this balance transfer are for.
Basically all I can share is that I only allocated one bank credit card which is bank D for day to day usage.

Since Bank A has been utilized 100% thus any installment or I needed extra cash was from bank B and C especially during my jobless period.
Having no income since Bank B and C have some credits left, I use them as income to tide over the entire 2015 year VIA balance transfer.

Only in 2016 still no job, unable to maintain or pay my credit card that is when I landed in debt.
So guys please, it is not I overspend but because due to my jobless period I did a lot of balance transfer from credit card in order to survive thus landed in debt.

I wish I do not want to repeat this again.
Moving on to now 2017, pay cut is one thing this debt also means
no longer able to spend that as much unlike in the past.

Now roughly earning around $2.1k (After CPF around $1600),
monthly repayment around $800+
Not to mention I still have to support my parents like paying bills
and etc. so literally not much left.
Yes I do missed things like traveling and etc. but that will only be possible
maybe after 5-10 years down the road.

Again if you think I overspend, don't know how to use credit card.
I hope you can put that aside like I mention now primary focus is on
repaying debt that I owe.

Life now feels like no income at all.
It is never easy especially with a paycut, especially for whatever things you buy.

No more credit card only debit card, savings is literally 0.
You have think twice or many times before committing a purchase.
End of story please. Do not make any assuming.
Don't keep reminding me of my camera OK?

Do you know how hard is it when organizer or even my team have events or photo-shoots.
Can I tell them I got no camera thus not coming?

No, I simply just ignore their email or text messages.Thought to use it as passive income, now it is just an idea into the dustbin.

Now I just live a simple life, see things can only see but cannot buy.

That camera cost around $10k, it's the 5D series not cheap OK. Not as if thousand can buy.
24-105mm Lens F4, 70-200mm lens F4, Speedlite 600 and etc.

That camera is now in someone else hand already.
Such matter is like 2 years back already, I do not wish to reminded
of this again.

Now using a debit card, it's just hard to make any big purchase.

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EMDWers plz some respect | Why always anyhow say I land in CC debt