Dubai is a place full of shopping malls, skyscrapers, high end hotels, luxurious cars, giant supermarkets and many other places that will lure you into a spending spree. Most banks here provide free for life credit cards, loans at low interest rates & mortgages. I get call every other day from some bank trying to sell any of these products. Most of these banking products look very attractive and beneficial from the face of it. it gives you opportunity to get those expensive shoes or the latest iPhone irrespective of your current bank balance status.