My Christmas Gift

Good thing in United States , you can apply any credit card without any collateral . Not like here in the Philippines they always requires income tax documents or any bank accounts to guarantee the credit card before approval.In my life I never aimed to have one but the year 1990's I was paying 2 educational plans for my kids payable for 8 years. On the fifth year paying my dues on time. It was Christmas time when I received a ready made AIG credit card from Phil Am Life Insurance Company. AIG is a sister company of Phil Am. Life .The card delivered in my house by the company messenger. Holiday Gift issued to those policy owner who are good payer of the educational plan or insurance payments . I was one of the recipient of the said gift . I was then excited to have credit card and successfully activated by phone. It is nice to have credit card. It is very convenient to shop and buy using my credit card but my problem is.... everytime I used my credit card I could not get a good sleep anymore thinking of my credits. After four months, I paid all my balances and called the company to cancel my credit card before I could get an insomnia disorder. I don't like this kind of gift.