Bank Personal Loan

On a Monday afternoon last month, a guy from a local bank called me and wish to offer me his personal loan idea.

He first told me that for a personal loan, there’s no guarantor needed and fast approval.

When I hear the word personal loan, I told him I am not interested in a personal loan. He continues to ask me about my current credit card limit.

Then, he said his bank can offer me an RM15,000 personal loan without any documentation needed.

I was quite annoyed as I told him earlier that I am not interested in a personal loan.

He sounds quite polite, just that he’s persistent with his sales ideas.

So, I politely told him that I am not interested and I don’t need a personal loan, and I also thank him for calling me.

He still insists perhaps I might consider the personal loan for emergency needs.

Still, I told him I don’t need a personal loan.

Last Saturday afternoon, another different guy from the same local bank call me again and asking me the same questions and still want me to take up his personal loan idea.

When I was about to hang up the call, he asked me whether I wish to use the personal loan to settle my credit card outstanding amount.

I told him ‘I don’t have outstanding with my credit cards. I settle full payment every month’.

He seemed a bit surprised and then say goodbye to me.

I am quite annoyed by the officers from the same bank calling me to introduce a personal loan.

If they wish to introduce other bank products such as insurance, unit trust or other saving products, I can understand their purposes.

But, not for a personal loan.

It’s not wise to encourage someone to take up a personal loan.

It’s just like digging a hole for them and asking them to put their legs into the hole.

They must find ways to get out of the hole, else their whole body might end up in the hole.