Credit Card Crisis

I got a big shock when i received my DBS credit cards bills today!!! @_@
2 late charges total $90 bucks! I can't believe that i forget to pay. This is the problem when i have too many different cards. This also tells me i am overly busy and forgetful.

1. Who thinks i will pay?
2. Who thinks i will call DBS to ask them to waive?

I choose option 2. This is the 2nd time i asked them to waive. I am really forgetful... thankfully, the kind CSO waived itfor me.... phew!!! He even replaced my a new card for me when i told him my cc was peeling off at the sides {like skin exfoilation...} if he didnt change for me i think i will be too embrassed to use the card.

oh ya.... ke wei zhu peng guo you... pls remember to encash your GST rebate!