Ya true.


Haha if only I don't have the mentality that RM3,000 is a lot to me then yeah maybe I won't feel heartache. In fact, I would be shopping from morning until night.

Thanks bro.

Not sure eh. Anyway, I've planned to pay by cash.

I doubt my credit card has any big point system. I mean they got send brochures together with the statement but the stuff is quite boring. Mine is just basic card and compared to those Citibank etc, mine doesn't have anything 'solid'. Anyway I'm just a small consumer anyway. My credit card mostly use for makan and petrol.

Haha I'm not sure what's chrometophobia and I went google. Then it says fear of money. I don't fear money. I'm just worried I don't have enough money

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Added on July 21, 2012, 2:24 pmAnyway, I generally get the idea of what some of the forumers here are trying to say.

If can pay then pay la. Don't pay for the interest. After all, it's still money that you're paying with interest.

So I decided to pay full in cash.

This post has been edited by crabbypatty: Jul 21 2012, 02:24 PM

if u dont hav problem paying the 3k... then pay via the ccard la.. pay up straight when due...

i would say, check on flexi pay..
if dont have, use ur salary this month + topup abit from ur saving
so no high losses to ur saving..

it's better to full pay if less than 3k

youd be mad to do a cash withdrawal from your card, its crazy expensive a fee on withdrawal and interest charged differently. seriously of anything do not consider doing such a thing.

ts, it depends on your financial standing if you want cash flow then make it a flexi payment scheme which incurs a X% interest charged upfront and the remainder will be removed from your card. you will pay a monthly installment with a tenure from 6-18 months each installment will be debited into your card increasing your outstanding.

note that some cards interest runs on daily rest, so please be mindful

if your tenure is short ie: 2 months then the interest paid is approx 30-40 bucks, so for that 2 months you are paying 80 bucks to use that card.

i wont advise using it for such short notice and with such small amounts. larger amounts you can use a flexi plan and pay back within the tenure which will reduce your interest significantly but you are prone to a upfront charge of interest based on X% of your purchase.




This post has been edited by +3kk!: Jul 22 2012, 11:03 AM

If u have the cash, i tink u better pay in full..OR, if ur credit card gives rebate/loyalty point, then pay with ur CC and then pay it in FULL..not divide out 2 months to pay the 3k.

if i were you, i pay the item with CC, then go to bank to pay back the CC. Since, im using MBB 2 Card, if the item can be bought using AMEX, it much much better, since the points that i collected will be like 5x i think, so collect the points and buy baskin robin ice cream for free ( redeem points)

pay by card la...
you still get rebates if ur card have it if not still get points...
then pay in full the 3k. no point give bank earn interest even is rm10 since u hv cash ready.
if later emergency u still can use card to pay depending ur emergency can use card or not then only let the bank earn, bcoz this time u emergency

The interest rate varies depending on card type, good paymaster etc. look at your past cc bill and it will be stated. Generally its from 13.5 – 17.5% pa (*double check on rates), divide by 12 for monthly rates.

I would pay with cc first, so you can get the rewards points/swipes etc and pay back in full the 3k when the bill comes. No interest will be charged.