Is it good to have credit card? Is there any bank offer amount only the amount inside the card. discuss
Is it hetter to have credit card or to go without?
Is it hetter to have credit card or to go without?
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Apr 5 2016, 10:33 AM, updated 8y ago
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#1
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Junior Member
58 posts Joined: Apr 2015 |
Is it good to have credit card? Is there any bank offer amount only the amount inside the card. discuss
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Apr 5 2016, 10:40 AM
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#2
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All Stars
22,199 posts Joined: Feb 2011 |
QUOTE(matdin07 @ Apr 5 2016, 10:33 AM) Is it good to have credit card? Is there any bank offer amount only the amount inside the card. discuss Good if you can control. Never let the credit card control you. You can save at least >10%p.a of spending with proper planning, the right card and discipline. With discipline, banks are working for you. GST? No problem when you can get >10%p.a of spending. No discipline, banks come after you like sharks when they sniff blood. And good luck working for the bank giving them free 18%p.a interest. Banks aren't getting a single sen from me if I can help it. I don't intend on giving banks any single sen now or in the future. Banks instead will give me >10%p.a cashback for my spending. This post has been edited by Ramjade: Apr 5 2016, 10:43 AM |
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Apr 5 2016, 10:40 AM
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#3
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Senior Member
3,197 posts Joined: Mar 2007 From: Kuala Lumpur, Malaysia |
In this day and age, you need one to establish a good credit rating. Just be responsible with it and make full use of the added benefits.
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Apr 5 2016, 10:41 AM
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#4
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Junior Member
336 posts Joined: Jan 2009 From: behind you |
Use it on emergency basis or on a strict control.
Else, I use cash. CC can be an evil in your pocket if you don't know how to prudently manage the bills. |
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Apr 5 2016, 10:46 AM
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#5
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Senior Member
1,050 posts Joined: Nov 2005 From: Malaysia |
Get those CB card.....marvelous !
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Apr 5 2016, 10:57 AM
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#6
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All Stars
10,029 posts Joined: Nov 2014 |
QUOTE(matdin07 @ Apr 5 2016, 10:33 AM) Is it good to have credit card? Is there any bank offer amount only the amount inside the card. discuss Get free for life like MBB 2 card as a profile for the bank even if you don't intend to spend your money. This will help you in your future loan application for house, car or personal loan. |
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Apr 5 2016, 12:31 PM
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#7
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Senior Member
9,297 posts Joined: May 2009 |
QUOTE(matdin07 @ Apr 5 2016, 10:33 AM) Is it good to have credit card? Is there any bank offer amount only the amount inside the card. discuss I dont this this is how RWI works.You should start the discussion by contributing your views etc, this is not /k where u shoot a single line and ask others to discuss. |
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Apr 5 2016, 12:52 PM
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#8
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Senior Member
921 posts Joined: Jun 2006 |
its evil if you dont know how to control your spending.
its good because it can increase your cashflow and getting cash rebate and some benefits like cheaper movie ticket, discount for dining or products and whatsnot. |
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Apr 5 2016, 01:04 PM
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#9
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Senior Member
5,648 posts Joined: Mar 2011 From: Jalan Tijani |
QUOTE(MeToo @ Apr 5 2016, 12:31 PM) I dont this this is how RWI works. This is not RWI forumYou should start the discussion by contributing your views etc, this is not /k where u shoot a single line and ask others to discuss. This is the Finance, Business and Investment forum. |
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Apr 5 2016, 01:09 PM
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Senior Member
1,715 posts Joined: Sep 2004 From: KL |
QUOTE(matdin07 @ Apr 5 2016, 10:33 AM) Is it good to have credit card? Is there any bank offer amount only the amount inside the card. discuss malaysia will going to introduce credit scoring system on every adults.so it's good start to use credit card. i use it like 10 years, and every month i will clear my debt. i try to use credit card on every transaction if possible, so that i can earn rebate. credit card is just a form a payment method, you should have know you can afford something or not before you bought it. payment method will not make you poor, it is the purchase judgement that cause you broke. |
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Apr 5 2016, 01:23 PM
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Junior Member
58 posts Joined: Apr 2015 |
QUOTE(5p3ak @ Apr 5 2016, 01:04 PM) |
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Apr 5 2016, 01:53 PM
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Senior Member
2,093 posts Joined: Feb 2008 |
Of course need credit card!!
Just imagine without credit card, how do you book flight tickets? How to go for holidays for booking? Online purchase is needed as well. It is for our conveniences. |
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Apr 5 2016, 02:29 PM
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#13
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Senior Member
1,423 posts Joined: Aug 2010 From: Sarawak |
QUOTE(matdin07 @ Apr 5 2016, 10:33 AM) Is it good to have credit card? Is there any bank offer amount only the amount inside the card. discuss Credit cards are good for those who knows who to manage cash and finance very well..It also allows you to track some of your spending like Petrol especially when you use credit cards with higher cash back on petrol.. For instance, balance transfer sometimes offers 0% interest, and it could enabled you to plan for your finance.. But ALWAYS REMEMBER THE MAIN DRAWBACK is you might tend to overspend if you do not have the discipline... |
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Apr 5 2016, 03:18 PM
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Junior Member
200 posts Joined: Feb 2009 |
Pro are more than cons by having a CC.
Just get one! |
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Apr 5 2016, 03:20 PM
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Junior Member
91 posts Joined: Aug 2010 |
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Apr 5 2016, 03:23 PM
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Senior Member
3,838 posts Joined: Sep 2013 |
if really a undisciplined guy i suppose...he could go for charge cards. but benefits are next to none.
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Apr 5 2016, 03:36 PM
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Senior Member
5,725 posts Joined: Jan 2012 |
if you can pay bills every single month, pay fully I mean. GO FOR IT.
its sometime save a lot |
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Apr 5 2016, 03:44 PM
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Junior Member
58 posts Joined: Apr 2015 |
what is the lowest limit you guys know because I don't want to overspent I'm thinking about 1000~2000 . It'll be good if there is cc that we can use only available amount on our acc |
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Apr 5 2016, 03:47 PM
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All Stars
22,199 posts Joined: Feb 2011 |
QUOTE(matdin07 @ Apr 5 2016, 03:44 PM) what is the lowest limit you guys know because I don't want to overspent I'm thinking about 1000~2000 . It'll be good if there is cc that we can use only available amount on our acc Rm1k-2k limit can. If you need to increase, just call up the bank. Usually they allow a temporary increase. |
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Apr 5 2016, 03:49 PM
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Senior Member
5,725 posts Joined: Jan 2012 |
QUOTE(matdin07 @ Apr 5 2016, 03:44 PM) what is the lowest limit you guys know because I don't want to overspent I'm thinking about 1000~2000 . It'll be good if there is cc that we can use only available amount on our acc 5k la.. Use all auto billing for utilities bills. save time and petrol. just use online banking contra from SA every month. print out the receipt and keep it. kautim. easy rite. |
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