horey...i finally found a better package for credit card... HSBC Gradpac...
annual fee waived for 3 years...no need to call to to threaten to cancel card lioa... haha...

hope that it dun have any hidden terms and conditions which will cause me hard to follow... :P

started Intensive revision class today... this time round, no rush, no clash... no other things need to prepare and also no 4 papers... hope that i can do well in exam in 1 month time...