my courier

GOD!!!my job become harder and harder...nowadays wanna ask customer to apply a useless credit is not that easy..who will going to apply a credit card with a government charge of RM50 and without any special benefit...how can i overcome this problem?yeah...they giving us a lot of solution,to solve this problem. but is these rili a gud solution?maybe this is a good time for me to switch to other department...should i transfer?or stay? can i survive if my income less than 5k?my commitment make me headache...