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
Wrong thinking... getting a credit card is not about getting a line of credit that you can borrow at anytime.
If you need to have that standby credit, this means you have no significant savings and constantly in need to borrow money. That's a tough situation to be in - in constant need to borrow money. Don't go make life any tougher by borrowing more and more...
The smart way in using CC is viewing it as a convenient method of payment. Option to pay in cash or by CC... cc is more convenient as we don't have to carry a large amount of cash in our wallets.
At the petrol stations, cc is more convenient as we can slot in the card at the pump instead of walking to the cashier... At the hypermarkets, cc is more convenient as we don't have to check whether we got back the correct change...
The line of credit may be more than 10k, doesn't mean that we need to spend till that limit. Nothing wrong with spending only several hundreds every month and paying the statement balance in full at the end of the month.
Personally, I mostly used cc in petrol stations and hypermarkets and monthly bills, and occasionally in purchases in places like Seng Heng, and also for hotel rooms, and a few times at some private hospitals. And had never failed to pay the statement balance in full.