Wow, I'm impressed by you guys. Mine is very normal compared to you guys. My parents owned a restaurant and I never had any holidays with my family when I was young. Holiday season was the season my parents earned the most.

Then the economic crisis happened in 1997 and JE in 1999 had hit my parents' business... Still they tried so hard to send both my sisters to private colleges with their hard earned money.

When it came to my turn, they told me honestly they can't support me anymore. I took up PTPTN and continued my studies. All this while, I did pretty well in my studies but I didn't do so well in my university days. I took up Engineering that time... I hated myself so much.

Then, I took up the courage and told my family that I couldn't cope with my studies anymore... I said I wanted to continue studying business but which major? My eldest sister suggested me to take up HR. I followed her advice and graduated with second class upper in HR.

I was fortunate to be picked up by my current company for internship program. The only internship student until now. After my internship, they absorbed me and here I'm today. I think I'm doing pretty well in my career and I'm grateful that things work out very well for me.

Throughout my journey, I have met with many people and they are very nice people to help me all the time. I'm really thankful for that.

I'm actually very thankful that I got into a well-renowned MNC as an internship student and they absorbed me to be their permanent employees.

I have a lot of friends from different backgrounds. Even sometimes I share with my colleagues, they are so amazed with my friends. Proud to say though I don't come from a rich family but I think I'm the most successful among them.

I think SV has no discount.
Standard gets RM 3k discount.
Exec gets RM 2k discount.

That was for Raya, now not sure.

Just 1k.

AmBank also not bad la. Mine was approved instantly.

Change bank?
I wanted to try Maybank too because my salary is credited through Maybank every month but my SA said Maybank has higher interest rate compared to others.
Not sure how true is that, you can try though.

You can try. My Maybank2Card was invited by them, called to offer me but I didn't go for them for loan.

If not, save another month for RM 1k?

This post has been edited by fruitie: Aug 29 2013, 11:36 PM

Well, I'm sorry. If it is your dad's suggestion, then ask him to help you out with RM 1k.
No point keeps forcing you that badly.

Please do not encourage such thing la... CTOS near to bankruptcy already. You forgot about the crazily high interest? He will be digging his own graveyard later.
I will never suggest people to hold their CC payment just to get loan. Many get theirs with perfect payment record. The point is to have credit history, not necessary in debt.

The hell?!
You are now digging your own graveyard.
Let me put in a blunt way. Don't get a credit card if you cannot afford. Full stop.

I don't know what sorcery is this...
You only need to have credit history, you don't need to be in debt.

If like this, my car loan will not be approved from the first day. I have never owed back a single cent.
Even I checked with bank on the possibilities to get house loan, they said I shouldn't have any issue for this. I'm getting my own house next year. I'm too poor for now.

Sorry guys. I know I'm a bit harsh.
Because I will never encourage people to pay minimum amount or late payment since young days.

My second sister was a classic example and she was in a great debt before. She took 5 years to pay back to my aunt because my aunt helped her to pay everything to the banks.

Now only she started to have some savings. She only had RM 100 every month for 5 years but luckily she stayed at PD home. So food and accommodation were saved. RM 100 for her petrol because she needs car to work.

I have received calls from lawyers and etc. Banks la whatever you can think of. Luckily not loan sharks.

This post has been edited by fruitie: Aug 29 2013, 11:55 PM

Then, sorry that means you cannot afford to have so many things at one time.

Sell your iPhone 5 and Macbook.

Communication. Tak cakap mana tau.
Though my parents know how much I earn every month, I'm being frank to them how much I can give them because I still need savings for my own house.
They are OK with RM 800 from me every month.

They are happy, I'm happy.

This post has been edited by fruitie: Aug 30 2013, 12:00 AM

If you read his posts, he can afford to pay but he didn't want to pay just to get loan.

Ya, I'll stay away from this thread as well. Good day.

After all F&F is not the forum I'm well-versed in.
I'm better off in Android, camera, finance and broadband section.

This post has been edited by fruitie: Aug 30 2013, 12:07 AM

Oh ya, I have removed my name from the first post.

So that next time when I search my ID, it will not bring to this thread.

This post has been edited by fruitie: Aug 30 2013, 12:14 AM

Hello guys, how are you today? Sorry for yesterday.
Will drop by occasionally.

Oh.. Mine is 7 years and 90% also.
2.8%.
AmBank.

Let's move on.

Just got to know will be flying to Yangon for work. Not sure should I be happy or not?

But I'm flying off to Sydney soon also for work...

This post has been edited by fruitie: Sep 3 2013, 03:14 PM

But Yangon....