I had a bad experience with a credit card company months ago. Ok maybe I am also to blame but I was not informed clearly about it. You see I applied for a credit card against my will… I would never ever reach out my hand to those people handing out brochures at the mall. I told the person I would think about it first because I already have a credit card but he insisted for me to fill up the form. So I did And that started my bad experience with them… An agent called up asking me a lot of things etc etc. And he even told me that I will be receiveing a manager’s cheque… And I asked him what’s that for? He told me I can use it whenever I like… I told him I didn’t need that but still the manager’s cheque was sent. And I was charged for it. It turns out its like a pre-approved cash advance loan from them. Anyways, what happened is that I just used the cheque to pay what they charged for me… And then I had my credit card cancelled. What makes it worse is that I didn’t even received my primary credit card yet only the supplementary cards… Oh well. After that incident I have been much more tougher when it comes to credit card agents calling and asking me to apply. Pfft!