I add another 2 sen, agree to above. Moreover, he should had adequate time to save up for the wedding day and not now only start to worry where he's getting the money for next month's function.

A credit card will entice one to spend more and may cause one to go deeper into the bottomless hole of debt. Yah, dangerous road ahead, more so having a credit card.

To ALL: last year I published my article The Best Credit Card in Malaysia- Is There Really One? at My Credit Cards blogspot. It is my most read article, and still, so I updated this article and republished it with revisions - to read it click >>The Best Credit Card in Malaysia - Is There Really One?

it is never recommended to use a CC for cash advance. Think that is the message everyone is giving you.

does your upcoming expenses allow the usage of credit cards especially 0% installment plans?

get a 2nd job....that not only pays, it also keeps you occupied so you have no time to spend money...

some in KL have 2 jobs to keep up with fast pace lifestyle

I understand there must be some pressure for you to enter marriage and i also understand its not easy to start out as a teacher, as my father is one as well. What my dad did was teach tuitions and did some printing (he has a working knowledge of doing things like tshirt printing, medals, troffies etc) as a 2nd job. As a teacher, your greatest advantage is that you work half a day. Not withstanding the time it takes to mark papers, you really can take the opportunity to teach tuitions.

IINM, teacher way of upgrading their pay is thru upgrade their pay grade. You should focus on this.... after 15 or so years, once my dad upgraded his pay grade well into a comfortable level, he no longer have to do printings and focus only lighty on tuition to have some additional income on the side. In fact he stop doing printing after about 10 years and focus on tuition. Then he slowly takes on lesser tuition class as he start to aged.

There is no such thing as getting cash asap unless u go into some sort of debt. Because after marriage comes kids, and those are not cheap at all.

Here are my thoughts:

1. For a bachelor to have RM35K loan is kind of hard for me to comprehend. You mentioned the repayments are covered by your future wife and yourself.  I hope you're not in this hole of debt because of her...... 

2. What nonsense you don't have adequate time to save up as it has been a year since you were posted there. Like I mentioned earlier, if you are earning RM3K a month and don't have RM6K savings, something is not right. Some more you living in the rural area and therefore you should be saving lots of money since you don't get the temptation to burn away money like what we have in KL.

3. If your Wira, basically a pretty hardy "Japanese car" cannot handle your current use, you must be joking that a new car can handle the so called estate road you mentioned. Even if you get a second hand 4W pick up, the maintenance cost will be higher. But maybe can save money with diesel. Proton wira is cheap to maintain as we can get spare part easily. Maybe you should get a new motorbike instead And what I really don't understand is, why you want to buy a new car to drive on the estate road and damage it ?

4. And your statement that you going to get a credit card just for your wedding, and 100% guaranteed, I hope that is true. But did you not tell yourself when you took the BSN loan that you won't get another loan? Once you are in hole of debt, it is very hard to get out.... and in your case, you are willing to go deeper into the hole.
Having said the above and knowing that you desperate, here are your options as far as credit cards are concerned:

1. Go apply for credit card from the bank nearest to you. And repay as soon as possible, i.e. money from the reception is to be banked to your credit card account immediately so that you save on the daily interest charges.

2. And if you want to save interest charges (not really much from my earlier example), you can also apply for RHB Credit Card and CIMB Credit Card same time with card mentioned in item 1. Why, because they offer 6 months 0% interest free loan called Balance Transfer. And pray that your application will be approve.

3. If you do withdraw cash from step 1 and your RHB or CIMB credit card is approved, do a 0% balance transfer and save you some interest charges (not the 5% cash withdrawal fee).

Click here to read my article Balance Transfer Plan - Facts You Need To Know

Click here to read my article on RHB Credit Cards where RHB has 0% 6 Months Balance Transfer with equal repayments,

CIMB 0% 6 Months Balance Transfer Plan

4. Or apply for Hong Leong Bank credit card where they will be more than happy to deposit money into your Savings or Current Account. The difference in getting cash from HLB credit cards is that you are not subjected to the 5% upfront fee from ATM cash withdrawal(s). Also, if you opt for 12 months or less Balance Transfer Plan (where they deposit cash into your CASA), the interest rate is lower than the 18% for cash withdrawals via ATM. I recommend you go for the 6 months Balance Plan option because the interest rate is 0.5% per month of 6% per year. And if you pay back earlier, you save on interest charges (but you have to maintain a nominal amount like I mentioned in my article until you settle in full after the expiry date so that you are not imposed penalty).

Click here to read my artilce - Hong Leong Bank Credit Cards - What Are They Good For?

You can also opt for the Cash On Call shown in the link above, the effective interest rate will be higher but at least you are forced to repay back in equal installment.

Some of you members may not agree with me showing him how to get deeper into the shit hole; but, he's getting married

So what car you thinking of getting? Hmmm.... if you get a Myvi or Saga or Preve or City or Vios, it's not any "bigger" than Wira. And if you get a 4W pick up, you going to regret big time when your wife is pregnant. The point is - live within your means. As of now you are already in debt with the BSN Personal Loan and got no savings. Buying a new car needs down payment (where you going to get the cash? Credit Card Cash Withdrawal?) and monthly repayments. And in a matter of few years, your new car will be old (and damaged too from you using it in the estates) and you have burned good money that can be used for investment to have a better secured future. Like I said, why buy a new car (compared to a Wira which is cheap to maintain) when you know you going to damage it when you go into the estates?

Anyway, I might help you to save some money by letting you know the locations of the AES cameras in Sabah. Check out my artilce titled AES Camera Locations - It's Everywhere There Is No Escape..

And guys, those of yo with big CC cars, you can pay your road tax with CC at JPJ offices - mostly at HQ. If you or your boss got MB S500, volunteer to pay his road tax and earn some cash back or points