Once I was an active dude. I played basketball, trained martial arts a lot. I regularly ran, exercised, looked after myself.Then I started smoking. I became a chain-smoker,  then I stopped martial arts (different reasons), stopped playing basketball. Let's say, I stopped exercising.Years…

As I have mentioned earlier, my Lloyds Tsb credit limit had been reduced on my credit card, due to the fact, that I did not use it :)When I applied for it I told to the advisor at the bank, that I will use it rarely, as the only reason to request it because of occasional business travels, but she…