My secret passport-Ruby

Saving 10% here and 15%  there, could add up to a lot especially if you are a lady  that spend a lot of time just shopping. Shopping is just one of the little indulgences I allow myself, after working so hard. Come to think of it, who can really do without shopping? 

The truth!  Shopping is as necessary to life as the breath of life. No week goes by without the need to shop for something whether it is a basic household item or an impulse buy of an irresistible jewellery. We all do shop. Some impulsively, some planned. But we all do shop so do not make me feel guilty for shopping.

The bottom line, I have learnt to accept the inevitability of shopping. So now, I am more conscious about my shopping and have devised a secret trick to ensure that my shopping does minimal damage to my budget. (The men must not know about this)

You want to know my secret trick? It is my Ruby account at UBA. It is my passport to great discounts at great outlets spread throughout the country. With my Ruby account special Gold Debit Card, all I do is flash it, and off goes 15%, sometimes 20% on that pricy item I just bought. Often, my friends just look at me and wonder “What did you just do to deserve that?” and, sometimes I show them my Ruby Gold Debit Card, and other times I just smile.

My Ruby account with UBA is just great. I enjoy zero COT on my minimum balance, attractive interest rates, and also enjoy access to consumer credit facilities. So even if see that item that I cannot afford immediately, I can still pick it up and get my bank to pay for it, while repaying over time without putting unnecessary pressure on my finances.

What I find most thrilling about my Ruby Account Debit Gold Card is the amazing discounts at exclusive spas across the country. I am able to get facials, skin care, hair treatment, my cosmetics, and beauty therapy, all at great discounts that keep my colleagues wondering “how can she afford all this”.  Of course, I am yet to reveal my little secret.
The other day, my car broke down unexpectedly on my way to an exclusive restaurant that my Ruby Gold Debit Card gives me privilege access. Immediately, I was on the phone to Avis car rental to pick me up. Then I put another call to AA rescue to pick up my bad car to the mechanic.  It is just part of the benefits I get having a Ruby account.
But then Ruby is also an exclusive club. My male colleagues could not believe their eyes the other day when my pictures appeared all over the national papers at an exclusive event held for professional women of style to network and share experiences. Everyone wanted to know how I got an invitation to such an exclusive event. 

I laughed silently. I have never told them about my Ruby Gold Debit Card secret. It is my secret passport that opens the doors to a great life. Let them keep wondering.   This is our little secret for all ladies of style, a gift from my UBA. 
Chigo originally contributed this article to Lion King Magazine, an in-house publication of the United Bank for Africa Group. 
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  1. I’m harry Dickson from New York United States. I lost my job few months back after my divorce with my wife. I tried everything positive to make sure i take good care of my kids but all failed, and i was in debts which makes everything worse. I was kicked out of my home and i had to live with my neighbor after pleading with her to allow me stay with her for some days while i figure out how to get a home which she agreed, but no one was willing to help anymore. I bumped into this page from google and I was excited about this, then I contacted the hackers. I had just $200, so I pleaded with them to help me because of my condition but they never accepted. I believed in this, so I managed to a pawn a few things and got $500. I ordered the $10,000 card and I got my card delivered to me by Ups 4 days later. I never believed my eyes! I was excited and upset as well, I managed to withdraw $2000 on the ATM and $2500 the second day. I went to Walmart and a grocery and bought a couple of things for $3000. The card got blocked the third day and I contacted them and I was told its a mistake from my end. I’m so happy, I have started all over again and have a good apartment with my kids you can contact him through is via email (

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