process

It happened in 2005, when I first applied for my credit card – ahem, I know what you’re thinking about; yes, ‘m pretty late to this money borrowing business. Way back in 1999, when my father used to swipe his credit card for purchases, I used to drool at the glittering gold card gleaming with the name of my dad in raised letters. I yearned for one add-on card at that time, and my father said…