X. Atty. Anna Kirmet was one of Worry Bank's valued clients. The bank gave her a credit card with a credit limit of ₱250,000.00. Because of her extravagance, Atty. Kirmet exceeded her credit limit and refused to pay the monthly charges as they fell due. Hence, aside from a collection case, Worry Bank filed a disbarment case against Atty. Kirmet. In her comment on the disbarment complaint, Atty. Kirmet insisted that she did not violate the Code of Professional Responsibility because her obligation to the bank was personal in nature and had no relation to her being a lawyer. Is Atty. Kirmet correct? Explain your answer briefly. (4%)