ku kechiwa..

Thank your for your Hong Leong Credit Card application. We are unable to approve your application. Any inconvenience is regretted..

sighhh~~kcewa gler kot ble my hubby forward dis msg dr hp dia.
br bajet nk bersuke ria dgn kredit kad dia lak.haha..
even actually bear sndiri da ade 2 kad kredit yg berjye d apply mse zman bekerja dulu,tp nk gak merasa kad kredit suami.haha..(xde beza pn sbb smua dia yg byar).
haiighhh...npe r ko x apprve??
klu nk ikut syarat yg d beri,kre da cun r.mmenuhi syarat..
but i guess mybe sbb my hubby de list citos/citris yg dlu tu kot wt nme dia berat utk lepas bnd2 cmni..

ha..umum rmai yg pernah dgr citos/citris ni kn?
tp rmai gk yg xfhm pe fungsi smua ni..
actually ianya adlh satu bdn non govermnt yg link nme kte dgn bank negara..
for example,kte dulu prnah wt loan..
n sangkut xbyar..pastu wt xtau.
then smpai r nme kte kt citos/citris which is ble mne kte nk try wt loan xkre r ape loan pn
,jd ssh..
pjabat dia bear pnh g kt kL..mse tu bear sje je nk g sbb tme tu bear try wt loan smua xjln.ingtkn de blacklist kt citos/citris.tp xde pn..
siap g bank negara kot2 bear de hutang pape ke..(pdahal PTPTN je)
rpenye nme bear mmg clear n loan xlulus tu sbb bear br bekerja x smpai stahun..

regarding my rsult for this sem..
bear kcewa gak sbb xdpt mncpai trget yg d khendaki..
but my mom said,even xdpt DEAN List pn,bersyukur r..
next sem leh wt lg..
baiklah..thanx mumy 4 always support me.love u so much!