If you are fond o borrowing credit from your service provider,it is advisable you change your way. You should have management discipline. Apart from that,the service provider rip you off. Though it is a help,but it doesn't come freely. These are the reasons:
1) You can never be give the exact amount. For instance if you borrow #200,you get 199.9~k. You think the little insignificant,by the time you multiply that a large number of people you get reasonable figure,and that in 30 days,you gasp.
2) Ten percent of your borrowed sum deducted from your credit balance once you begin to use the loan.
3) Had you buy card of the same amount,you're entitled to certain perks or benefits. You won't have such benefit if you borrow credit.
Learn how to manage your credit,sirs/madams.

Nice one OP, abeg seun move this ti front page abeg. This network dem dey milk us wella. FTC.......my gift abeg

God bless you Op. This is a reality check for me!

Very true. #Kudos

nice 1 op

This applies mostly to ladies.