Do you know that you are actually giving a very dangerous advice to the public?

why is that so?

do u know that anyone can use your debit card like a credit card and clear whatever u have in the account? huhuhu

anyway, UOB sucks! so many times i've requested for them to close my account and work out a payment plan, they reply OK we'll work on that... but no reply. f***ing pisses me off. i wanna get off my debts but also want to be able to manage my finances. now the interest is as much as my credit limit already. WTF? asked me to clear my credit limit but willing to discount only 300 from the interest. yeah f*** u!

See your liefstyle and where u spend the most. If cannot make mind just pay the Rm50 lah.

firstly I would like to say sorry not paying anymore attention at this thread
can't believe still got ppl replying~ seems good

anyway, I am using CIMB Direct Access Gold Mastercard for more than one year now.
and yeah, its good! It gives me 2% rebate on all petrol purchase no matter you go to Petronas, Shell, or whatever station.
In addition, it gives me 5% rebate if I shopping at Giant/Tesco/Guardian during weekend.

i am totally know nothing on credit cards...
i am interested buying 2nd hand car from authorize seller...
may i buy using credit cards because my friend said the price will be much cheaper when buying using credit cards...

Mak Kau punya card

any new update for credit cards offer? or is there any threat specifically update us about credit cards plans? cuz been looking around for some time and couldn't find one.
planning to apply one

i use debit card, no rebates

many people still don't understand benefits of credit card if used in the correct manner.

Pros
a) Bang for your buck - promotions/Discounts specific to issuing bank and also specific to Mastercard/Visa itself
b) Loyalty programs - earn points or rebates
c) Convenience & Safety - Don't need to carry cash around
d) Money management - you can automatically analyze where your money is going as everything is statemented.
e) Leverage on no interests period - which facility borrows you money without any interest for a month? Technically you can leverage on that cash to earn interest in a saving account first or for other investments
f) Fraud protection - For suspected fraud unauthorized transactions or even goods not received related claims, you can raise a dispute without having to pay first. Furthermore the bank is in the power to recall back the payment from the merchant, so it's much easier to "get" your money back instead of giving the merchant hard cold cash in the first place.

Cons
a) causes those with bad money management to overspend
b) Bad forex rates if swiping overseas (Foreign currency to US$ to Local currency billed to you)

please feel free to contribute to the list...

Credit card can be Debit Card too if u think about it. U overpay your credit card so that the credit card hutang u instead. Then it becomes debit card already lor. Somemore when u use debit card, u get points which can be converted to goods such as umbrella, bag and so on.

i bet ur wallet is so thick until kenot sit down...

correct, but a silly thing to do... you overpay your credit card, you don't earn interest. As for your debit card, money sitting in the account earns interest.

Debit card got interest? Normally how much? I have a Public Bank Debit card but I never see any interest banked into my account.

i am using Public Bank Esso Mobil Visa Gold, so far it suits me with cash rebate at Esso( i am fueling esso), 0.5% rebate at other retail transaction, free for life too. however, i am still looking for another card with similar benefit or better, any recomendation?

giant credit card

boleh dapat diskaun~

Agree! Based on my personal experience, UOB credit card really sucks! Poor System, VERY BAD Customer Service...bla bla. Real Conman esp. on unknown admin fees.

you miss one important point, INSURANCE on the item you bought

Depends on your needs:

i use :

Citibank Air Asia Crredit Card - Discout,and if got promotion they will inform the card holder first ( i take flight above 5-10 times per year, so definitely need this)

Public Bank Master Card - Dining, grocery, petrol ...

HSBC - Shopping ( Many shops in Mid Valley etc.. got discount and extra point given ... )

I use:

HSBC Visa-shopping discounts/rebates/special promotions

Alliance Visa-Local bank easier to get 0% installment plans with longer period. Eg. got 18 months installment instead of 12 months if use HSBC

CIMB Master-shopping discounts/rebates/special promotions

Must be good at handling finances, I pay promptly every month, credit card interest can kill ur finances if not managed properly.