Get a credit card and set a limit that you can afford. Credit card is the best thing you can get IF YOU USE IT CORRECTLY. Make full payment instead of minimum/partial payments. Avoid unnecessary things like credit shield or overdraft on ur CC.
Advantages I get from my CC:
1. Cash back rm50 per month from OCBC and rm50 every 3 months from Citibank (1 year is already rm800 yo.....)
2. Points on my Citi PM card that can convert to air miles
3. Travel benefits (lounge access, travel insurance, free ride home..)
4. Can utilise 0% BT if available (increase liquidity, 0% installment why not..)
5. Most important, build up your credit score with banks. You dont get credit record with cash!
Many other fringe benefits I cannot think now.
So get a card you can afford and spend according to your limit. Make FULL PAYMENT every month!!