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Several days ago I received my pin number from Citibank, without the credit card itself. This afternoon the credit card arrived. I thought it was weird that the pin number arrived without the credit card but the postman told me it’s really meant to separate the mailing of the card and the pin number so that when one is lost by the post office, the credit card holder is still able to use his credit card number.

Ok, now that I have my own credit card I would not be using my father’s credit card anymore; however, I’m worried that I might be spendthrift because, historically, I’m not good in financial management. I promised myself I won’t be using this credit except for online purchases. It is a little scary why I have a credit limit as high as P75k when I’m only entitled for supplementary card… or is it a full credit card account? I’m not sure since my father did all the paper works for me. Anyway, having a credit limit this high shouldn’t be taken as a joke. You can get in-debt easily when you don’t record your credit card usage.

I’ll be hands off this plastic card as much as possible.