QUOTE(davinz18 @ May 18 2014, 06:19 PM)
got such thing? wow 
Why not? what would they have to lose? you will end up paying them to use your money 
[WTA]Salary RM1500, can I get credit card?
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 May 21 2014, 02:46 PM
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All Stars
14,990 posts Joined: Jan 2003 
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May 21 2014, 04:50 PM
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14,990 posts Joined: Jan 2003
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QUOTE(Bonescythe @ May 18 2014, 08:07 PM) If u think like this, then u are wrong. Not true. Friend got a loan from a bank.. 40 years. If you have the collateral they will be more than happy to lend you the money Having a credit card doesn't mean having debts. U can have a card, and have no debts. Is up to you on how u are going to control your spending. Some people got 50k credit limit, and got 40k credit card debts. Some people got 500k credit limit, and got less than 1k credit card debts. Getting a credit card is good, so that you can create a CCRIS record in the BNM system. After age 30, if you don't have a CCRIS record, borrowing money from financial institution will be quite hard, unless you are working in MNC, public listed company. Kuci miao SDN BHD company, you will have hard time for your loan application, unless your company is reputable enough. Card also good for rebates. Petrol, your utilities bills, promotion, points and rebate. If you know how to use wisely, it is a plus point. |
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May 21 2014, 04:52 PM
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QUOTE(vincentwmh @ May 21 2014, 03:36 PM) agree agree!!!! That is if you spend more than you have to pay in interests and annual fees  basically, CC is equal to discounts & rebates plus free gifts. |
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May 21 2014, 08:05 PM
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14,990 posts Joined: Jan 2003
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QUOTE(vincentwmh @ May 21 2014, 05:04 PM) why need to pay interest & annual fees???? Credit cards have annual fees.. and they will still charge you interest if you're late  care to explain!! |
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