Those days, credit for consumers are rare or even unheard of, in Malaysia.

Nowadays, many Malaysians has credit card.

another thing what most engineering graduates failed to realize is that

big companies they dont care about your degree, even if u get first class but whats the point? if you scored on all irrelevant subjects   

but barely passes all your core subjects

also complaining that you are not paid enough, then find a job that offer u more money

work for phone shops can earn 2k-3k

work in boutiqus can earn 4k-5k

work as mechanic can earn few thousands

work in cybercafe can earn 1k-2k

dont even need degree, heck not even SPM

I don't really.

Considering, maybe except ASB which I pay off by loan, I don't think there are any major bumi things I access.

Even at that, it's just money for when I come back.

are you an engineer?

Nah, I'll just become worse than Taib.

Plus I find my job here challenging in a skill sense, rather than just a pure effort sense.