Recomend credit card. 
Jun 8 2013, 11:44 PM
QUOTE(fantasy1989 @ Jun 7 2013, 11:52 PM)
errr..try to find those waived annual fees (with T&C) or Free For Life credit card
if like that ..then every year u just pay rm50 gov tax lo
like UOB One card = 1 year u swipe 13 times = waived annual fees
or Petronas Cimb Bank platinum card = Free for life with no condition
insurance > credit card
and yes la ..if suddenly want 3k deposit ..but u didnt put many money into your debit card ..mampui liao
but if CC ..if stolen ..straight report and cancel it
atleast u wont die
if debit card...report liao still need to wait
but if we swiped more than 13 times, rm50 govt tax still apply am i right?if like that ..then every year u just pay rm50 gov tax lo
like UOB One card = 1 year u swipe 13 times = waived annual fees
or Petronas Cimb Bank platinum card = Free for life with no condition
insurance > credit card
and yes la ..if suddenly want 3k deposit ..but u didnt put many money into your debit card ..mampui liao
but if CC ..if stolen ..straight report and cancel it
atleast u wont die
if debit card...report liao still need to wait
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