Do u prefer 2 make an initial move
to apply for the credit card in the market
as to fund ur shopping spree each month?

for me,definitely NO!!
basically,due to these 2 major reasons :-

1.since my working stability r still insufficient to support even the sole debt financing methods.
2.since my conventional mentality r strong enought to resist any temptations to purchase beyond my credit(revenue)limits.we must look @ our own clothing first,rite??

Therefore,as story goes by
during yesterday night..
i just "kelentong" that HLB's staff @ JJ Equine Park
by generously speaking
" i had one already almost a year now & it's suit me well enough,no need 2 apply 4 its partner..."

ahahaha......un4tunately
when she inquires more details regarding my "non-existent" credit card,
she will know i just doing my legal"protective statements"...indeed.