WTA guys,

If lets say I have 2 credit card debts (both are 18% p.a. if I’m not mistaken):

Card A : RM5,000
Card B : RM5,000

And now I have RM2,000 to pay off some of the debts. How should I allocate? Should I do:

A: Put RM1,000 to card A and RM1,000 to card B. Next months pay equally also

Or

B: Pay card A minimum and the rest pay to card B. Then continue paying more to card B while A Pay minimum (making it something like snowball effect)

This post has been edited by cloudstrife07: Dec 23 2019, 07:36 PM

Unfortunately no. Card is almost fully utilized (each card credit limit is 6000). Although, thank you for the support

Noted on that. So it's not that wise to pay the same for both ya.


Thanks for the suggestion guys. Really appreciated it.

Hey guys, Just to update and share that when there's a will, there's a way!

I'm happy to report that I've managed to settle one card already based on my above enquiry. Next month will start paying the second card.

I even almost didn't celebrate Hari Raya Was deciding either to finish paying next month and enjoy raya or pay everything this month for that card and have a simple raya with family (I mean really simple, just cook some rendang, photoshoot and that's it. No visiting relatives and new baju raya etc.). End of the day I chose the latter and and after a week, I felt it's the better choice!

This post has been edited by cloudstrife07: May 28 2020, 03:53 PM