"good afternoon mdm"
"hi. who is this?"
"I am calling from XXX bank. we are offering u this credit card. no need any applications just need to answer a few qn"
"erm.. sorry its ok I dun need the card"
"but mdm, u r currently holding one of our cards rite?"
"yes, tts why I dun need another one. one card is enough. bye bye"
"thanks mdm........."
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