No New Credit Card Or/And Loan Application

While shopping at the nearby mall last night, I was stopped by a pretty sales executive.

Of course I knew what she was trying to promote. Some sort of cash or reward cards!

Without wasting much time of hers, I told her I had already had one. What she never knows is that I am in a debt management plan.

Being in a debt management program means no new credit card or/and loan application will be approved.