Hi, would like to get some opinion from the Sifus here especially those who use Maybank Amex Charge Card.

For some reason, I have been toying with the notion of applying for a Maybank Amex (Green/Gold) Charge card. This is partly due to the fact that 1) I don't like to carry any balance in my credit card; 2) having a charge card would make me more mindful of my purchases.

Some people would say just pay the credit card balance on time every month - and they are right. But the temptation to overspend is very much there (with the credit card).

Still, it seems that the benefits one gets with owning a credit card are higher than owning a charge card (except maybe the Amex Platinum Charge card).

I currently have Maybank2cards Premier/Amex (which I used to love until they inflate the Enrich redemption rate), Citibank/UOB PRVI Miles Elite and World MC.

My expenditure tends to be travel related - which is why I was considering the Gold Amex Charge Card rather than the Green one.

Anyone, what do you think? In the long run, does having a charge card brings more benefit to you compared to having a credit card or it is the other way around?

Your opinion is very much appreciated.