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CREDIT CARDS CREDIT CARDS CREDIT CARDS

THE TEMPTATIONS OF THE DEVILS CALLED BANKERS

Why is not advisable to use CREDIT CARDS?

Simple it is not your MONEY which you are SPENDING and you are not PULLING
the CURRENCY-you are GETTING PULLED DOWN-that is why.

Basically if you take MONEY at the highest level- it is the BELIEF one has in the
MIND and CURRECY at the same level it is the PULL one has in the BODY.

So basically when a BANK issues you a CREDIT CARD they are not doing you any
favors they are doing themselves many favors.

So where does the BANK get it’s is money from?

GOD? Well I guess as Children we might have believed in it. But as mature adults we do
know from people who work hard and manage their MONEY well and are able to SAVE
some money and deposit it in the BANK.

So when you use CREDIT CARD you are actually receding because you did not use
your money and therefore you have induced FALSE BOOM. So the WORLD
RECEDES so someone some where DIED and without able to FULLFILL their
DREAMS.
So when you use CREDIT CARD and spent money then you owe the community a
favor the least you can do is pay it back within the given time without any delays. The
best you can do is not to use the CREDIT CARD at all.

Top BUSINESSMAN never use- CREDIT CARDS in fact many never even use
VISTING CARDS even. The reason is their BUSINESS DECISIONS can go wrong.
All BUSINESS revolves around HUMANS so you may make a MISTAKE on whom
you TRUST with the BUSINESS.

The other DANGER of using CREDIT CARD is the TEMPTATION to spend- see
when you see any OBJECT you DESIRE it is HUMAN to try and POSSESS it and the
most DANGEROUS OF ALL OBJECTS is WOMEN.

So when you fall for the attractions and the play into the PULL the TROUBLE starts.
This can become an ADDICTION as you will start BUYING things with MONEY that
does not BELONG to you- and you become a DEBTOR. You might take the GAME to
the NEXT LEVEL- by using one CREDIT CARD to PAY another CREDIT CARD-
when you don’t realize all the TIME your MIND is CONTRACTING and not
EXPANDING and your are RECEDING. So instead of EVOLVING from APE to

HUMAN to GOD- you DEVOLVE to an APE , CHIMPANZE

and ORANG OTAN .

All the time you think you can get away and you see the world on the OUT

- basically through other people’s BELIEF- and you HIT the

BARRIER when the WHOLE WORLD COLLAPSES

on your HEAD -the Joke hits you.

Then you start looking for someone to BELIEVE you and PAY of your DEBTS- but you
cannot find anyone as no one BELIEVES you as your WORDS you SPEAK don’t
REGISTER.

Now the BANK starts WINNING- they start sending you LETTERS and asking you to
PAY. Sometimes you even have to GIVE up your WIFE- in case the BANKER

fancies her very much-you can do nothing about it. Then you might find
men like MORIS WEST and ARTHUR HAILEY writing books like HARLEQUIN

and MONEY CHANGERS from how they saw the MOVIE from

inside the BANK .

About getting a GOOD JOB? Well in Britain and in USA I can tell you no decent
EMPLOYER will employ you that easily because all the time EXPERIAN

is getting UPDATED and when they do a CREDIT

VETTING on you it shows a very POOR TRACK RECORD- so that does not go well
with the COMPANY as they will not be able to get the RETURNS on your WAGES
quickly enough.

Can you get away without paying say if you get a CREDIT CARD and use it say you are

a STUDENT STUDYING in Britain or USA?

Well I know several students in UK and USA who have used

CREDIT CARDS and they increase their CREDIT LIMIT and when
they were going to leave they decided to utilize all the CREDIT and run away to India

The Logic: That they are leaving USA and UK for good and in India they will not be
able to catch them at all and that serves the BLOODY WHITE FUCKERS in BRITAIN
and USA right.

Well to be honest any CREDIT CARD that has been issued is a sort of the BELIEF that
particular community has placed on you so that you in return pay back the BELIEF
another day by doing something good for them or for their Children.

Now when you are student in United Kingdom or in USA- they issue a CARD then it is

UK Pounds or US DOLLARS . That money belongs

to all those who Believe in Britain and USA and they are lending you their MONEY-
their BELIEF to you so that you don’t have problems as they understand you are a
student. You are GOODWILL AMBASSADOR who not only represent your interests
but also the interests of your nation and that of the Future Generations to come.
Now when that honor is given to you is simply because the previous generations of
Indians have by and large been HONEST and contributed to the growth of their
communities. They think that you are TRUST WORTHY being an Indian the BRITISH
BANKS and AMERICAN BANKS issue you a CREDIT CARD.

But then when you think that you can pull a fast one on them and do a runner- well they
will catch at one point-now how do they do that?

Well the moment you start using CREDIT CARD EXPERIAN gets
updated. Now they create a CREDIT HISTORY on you. So when you don’t pay they
send you letters each worded more STRONGLY than the OTHER- when you don’t

respond then your name automatically goes on FRAUD WATCH .

So now if you happen to study in Britain the next step would be to work for so called

MNC (Multi National Company) - which is considered as a STATUS

SYMBOL -you can ENHANCE your PROSPECTS of finding your

self a SUITABLE BOY or a GIRL . But to be honest that is

the biggest MYTH- in fact if you work for a MULTI NATIONAL COMPANY in

INDIA- 90% chance you become a CORPORATE DUMMY .

To be honest I never worked for a MULTI NATIONAL COMPANY in India when I

started out. I worked for small companies and I knew all the DIRECTORS and they
treated me as EQUAL REALLY- that was more important. In fact the company I worked
for the longest period was my neighbors Mr.Narasimhan’s company. Well he himself
worked for TOP CORPORATIONS and he knew all the games.

So he told me Vikram I know you don’t use CREDIT CARDS but even if they offer you
it is good you refuse- it will land you in SERIOUS TROUBLE. But even if you want to
experiment with it you pay the money back within the 27 days GRACE PERIOD

But I had very little reason for CREDIT CARD as I generally lived within my means. In

case RICH FRIENDS like Mr. Mayoor Balsara called me to

BANGALORE- I used to make my TERMS CLEAR with him- that MAYOOR

you see I just cannot afford to go to places where you go-so I would
rather wait when I become RICH again. He said hey that is not a- PROBLEM Money
will also come back to you- you land up here and I pay for everything. So sometimes in

less than 7 hours in a CLUB in Bangalore Mayoor would have paid

a BILL-which was what I made in a whole MONTH!!!!!
As for the MYTH that you get EXTRA ADVANTAGE when you take CLIENTS

out when you PAY BY CREDIT CARD- then that ENHANCES your
STATUS and the CLIENT Believes you-

When I take clients out it is always on my terms and it is always been that they
need something out of me and I don’t care whether I need to meet them or not. As for the
DRINKS- well I never DRINK if I have to agree upon something in BUSINESS and

only after the AGREEMENT is REACHED- I DRINK -and they PAY-

because I was the MAN-who did them the FAVORS in BUSINESS.

As for the calls I have to take for the company to negotiate COMPAQ. Well as there is
always lots of Alcohol involved in all these serious business dinners I attend. I drink

VODKA with water- so I keep MIXING it and DRINK only the

WATER but order the DRINKS for Mr. Yateesh PIMP Govindan- as he slowly gets
DRUNK I ask him something more personal-about what exactly you guys get up to in
COMPAQ CORPORATE BREAKS IN THAILAND?

Well slowly the CAT comes out of the BAG. But being a COMPAQ
hotshot he pays all my BILLS also for all the VODKA I didn’t drink and he asks me so-
How many PRESARIOS are you going to ORDER- 35- I got to TELL RAVI now?

I tell him 2 – but then if I wake up in the morning and I think I cannot do that it will be 1-
I just walk away from the HOTEL CALLED QUALITY INN ARUNA.

Next day at work: The Deputy Manager-Retail has a DEPUTY to take down
DETAILS-Helen Rosylyn is her name.
She asks me- Sir Yateesh is asking- ask your BOSS what is the NUMBER he is going to
PICK up this week?

Tell him the same as the times he BANG COCKED in THAILAND

She looks at me BLANK - I don’t understand sir-

I told her you will some day- anyway tell him 3- that too it is just for him that I’am doing
this favor.

You fill the Order Form and also sign it on my behalf and fax it.

After that I was scratched off his DINNER and DRINKING BUDDY LIST FOREVER

Phone Rings - she picks up- she says Sunitha Sir-with

a SHY SMILE on her Face-would you like me to go behind to the other room Sir? I tell
her not necessary Helen you stand here-I have no problems.
So back to the CREDIT CARD FRAUDSTER - So now the FRAUD
WATCH is activated. The MULTI NATIONAL COMPANY asks the CREDIT CARD
THIEF to go to United Kingdom for Training or for some Business.

Well AMNESIA or IGNORANCE completely BLINDS them to the DANGER that

LOOMS ahead. So he/she applies for a VISA and if they are LUCKY the VISA is
denied on GROUNDS that the PERSON is on FRAUD WATCH list.

Obviously your HR is going to ask you why?

You say you don’t know-

The HR makes a PHONE CALL to the HIGH COMMISSION or

the CONSULATE and they tell him or her the reason.

Then when you go to the TERMINAL and you see 3 POLITE WORDS-YOU

ARE FIREDDDDDDDDDD

DDDDDDDDDDDDd
If you are unlucky you slip through the NET- then when you enter any of these nations
they will see the FRAUD WATCH INDICATOR at ENTRY POINT

and they will POLITELY ask you to come with them.

If you are most UNLUCKY and you slip through this NET also and you reach the

NEGOTIATION TABLE - well you might come back to India MINUS

your COCK -

As for me I did use CREDIT CARD during my last 4 months period in India before I

went to SCOTLAND- but I paid all the money back

within the 27 days period always. But for one time it was not my FAULT as my
CHEQUE cleared late-but I didn’t dispute I paid the SKY HIGH INTEREST RATE.

But the only reason I got a CREDIT CARD was because I wanted to buy an
ENGAGEMNET GIFT for my FUTURE WIFE- I saw this SILVER TAJ MAHAL

from ORISSA on the NET- but I could only buy it with a CREDIT
CARD-so STANDARD CHARTED OFFERED me one- and HSBC called and
followed suit. So I took it and I used it just to entertain my friends for the last phase of
my life here and fill PETROL- So finally when I was just about to leave CHENNAI for
SCOTLAND I made sure that all my DUES were PAID- I signed two CHEQUES one
for STANDARD CHARTED and the other for HSBC for flying with no DEBTS.
But then a few years later life rendered me with 2 blows one after the other-one before

the TSUNAMI and one after it .

I lost my AUNT to CANCER as I planning to go to BAHRAIN

and meet her in about 8 months time. She visited Scotland and
one of her last words to my wife and myself were- I want you and Vikram to come to my
house in Bahrain and meet me once and spend some time with me.

I guess I was left COMFORTABLY NUMB when I was just finishing

work at 8:00 Pm and walking out of my office when my mother called and broke the
news on that cold Winter day.

I put the TRAGEDY behind me and thought well at least I will meet my
GRANDFATHER as I was flying back to India in less than a MONTH and I am still
lucky.

But that is not the way LIFE was meant to be-just 7 days short of me flying down and
meeting him on Jan 14th 2005- my grandfather passed away on Jan 7th-as the TRUTH
hits me hard through my SMS- as my MOBILE PHONE VIBRATED-I knew what the
MESSAGE could have been….I thought it was a BAD DREAM- as I told my
MANAGER and went back to work-as I was in a TRANCE managing the accounts-
when a WOMEN asked me for more TIME FRAME to pay her DEBTS OFF- I just
gave her the TIME without even looking into the ACCOUNT-she THANKED me
PROFUSELY and said GOD BLESS YOU SON….those were the last words as the
TERMINAL went BLUR in front of my EYES- I just walked up to my Manager Mrs.
Janice Lawson and told her I just got to leave…..she as well as the whole TEAM was
PLUNGED in GRIEF for a MAN who they have never seen or even MET- their GRIEF
was REAL and from their HEART- it is a GREAT INSTITUTION I thought.
I wondered in my FLIGHT why a man who said he would hit a CENTURY would DIE
so suddenly at 85- when he was still walking and talking. I suppose that is DEATH- it
makes you ask a HUNDRED questions-those you never asked when the person was
alive-and you take them for granted.

It was even more BIZZARE that when I came back again 6 months later that the
TEMPLE PRIEST told me that he had told him that he was going to DIE the next
morning. This was like watching SACHIN TENDULKAR batting at 85 and you think
he will hit a CENTURY and you go to buy yourself a DRINK and when you come back
he is OUT. Then you read in the newspapers that Tendulkar had actually planned to get
out and he even told the UMPIRE before in ADVANCE- you cannot even call that
MATCH FIXING- you wonder what is going on with this world.

I checked all my DEBTS- I had none and when I was just looking at the internet- I had a
message FLASHING AT MY SCREEN- CHECK PAST CREDIT CARD USAGE-

I just realized that I may not have committed the GREATEST SIN of DECEVING that I
always paid my CREDIT CARDS on TIME- but I did suppose COMMIT the
GREATER SIN-of NOT BELIEVING that I did USE CREDIT CARD- so I guess I
paid a PERSONAL PRICE-DEATH tells a STORY that LIFE doesn’t I told my
MANAGER Janice Lawson when I got back.

My friend Parthasarathy Nagarajan told me- Vikram when I was in USA- I used to get
RIDICULOUS OFFERS from CREDIT CARD COMPANIES-but I refuse them all- I
pay everything by DEBIT CARD or CASH-even my CAR- I had no need to buy a
house even if I did I would have perhaps saved the CASH up and bought it.

Well I thought perhaps that is why my Grandfather saw you as another Bill Gates- very
SMART!!!

As for me I came back to my GRANDFATER’s HOUSE- I guess his FAMOUS LAST

WORDS does RING IN MY EAR ALL THE TIME-

I am only a STATE BUILDER

Your Father a NATION BUILDER
But you will go on to be an EMPIRE BUIILDER

If you know where the EMPIRES are BUILT- you got to keep that PLACE-DEBT
FREE ZONE

So whenever a CREDIT CARD company calls me UP- I politely REFUSE and keep the
RECEIVER DOWN- I guess these DAYS in the INFORMATION DRIVEN
SOCIETY a LOT MANY COMPANIES CALL ME- and OFFER all kinds of
TERMS…..but I like to DO BUSINESS ALWAYS ON MY TERMS…that is
SOMETHING THAT WILL NEVER CHANGE IN ME….IT IS MY WAY-but it is
up to you whether you want to hit the MINTY HIGHWAY -that

CHOICE I leave to my OPPONENT .

I only give ADVICE- If you can give me your CLITORIS LADY you can have my

BUSINESS but if you feel my ASKING PRICE is TOO HIGH

in my BOARD ROOM- then you are FREE to leave

and RECONSIDER my OFFER and COME BACK ANOTHER DAY………..before

DEATH DOES you APART .