Jan 11 2007, 01:43 PM
QUOTE(madstone @ Jan 11 2007, 08:41 AM)
I think the CL (credit limit) depends on your payment also
not just your income, but how much u pay every month
let say u use, RM200, but at the end of the month, u only pay minimum payment
for me, this is consider, bad customer
just add somemore to pay a bit extra from the minimum payment
let say u have to pay RM50 (minimum payment) from RM200 u use, pay like RM90 or RM100
AND it is advisable IF u have 2 cards (visa & master), JUST USE ONLY 1 CARD
If both card share same CL, then it's better to use 1 card ONLY
If u use 2 cards n pay minimum payment, u will waste your money paying interest for both card
To banks, u r a very good customer if u do so... Coz they can earn interest> if u pay everything right before the due date.. u aren't a good customer to them...not just your income, but how much u pay every month
let say u use, RM200, but at the end of the month, u only pay minimum payment
for me, this is consider, bad customer
just add somemore to pay a bit extra from the minimum payment
let say u have to pay RM50 (minimum payment) from RM200 u use, pay like RM90 or RM100
AND it is advisable IF u have 2 cards (visa & master), JUST USE ONLY 1 CARD
If both card share same CL, then it's better to use 1 card ONLY
If u use 2 cards n pay minimum payment, u will waste your money paying interest for both card
Thats how bank evaluate CC users~!
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