There is a Christmassy UOB credit card commercial on TV now which says that a UOB credit card is the best Christmas 'card' of all, and shows happy people receiving Christmas gifts, with the tagline 'The card that gives... and gives... and gives'.
Well, well, well, BOLLOCKS to that; seems UOB had forgotten to add another line: 'You pay and pay and pay'.

Credit cards, as Scott Adams (Dilbert) once wrote, are the cocaine of banks. Don't get addicted to spendin'.