I was chilling out this morning in the happy surrounding of my house, when suddenly, a loud noise startled me from a distance. It was my sister, banging her hands on my door and shouting my name outside my house. I rushed to check out why she’s making all the hullabaloo and when I saw her, she has this piece of paper on her left hand, a fist on the other.

I asked her what she was holding and she told me it’s her credit card bill and she was asking me about a certain charge that she can’t seem to figure out why it was there. I checked out her statement and I figured it’s one of those income protect thingy that some banks put in their bills under special services. I explained her what it was and I told her that it depends on each back but generally, the main purpose of this is to give assistance to the bank member if something happens to his or her card. I told her she could always ask to have it removed but I told her she should ask for the income protection insurance quotes first before banishing it from existence because she might need it after all. I told her that it may look like a waste of money right now because she doesn’t need it but it is something that could actually save her when certain things happen. Just check it out first, tell me what the customer service told her, then I’ll help her decide if she really needs it or not.