here my piece of advise, dont go for CC dont loan, for ur salary is quite small for living.. calculate ur income - all the cuts, such epf and socso, then - living expenses( food, transportation, rental, bills, entertainment etc) than thats what left of u...

its pain full when u realise ur cash finish by the middle of the month and it even painfull to ralise u cant even pay ur loan since not much left already... so better if u start saving now and i think u can get ur first console after 6 month of saving.. go the hard way instead of the easy way...

this is what i believe, u taste the sweetness first and u will get the bitter part later, but if u taste the bitter part first u will get the sweetness later.. the choice is urs and its ur life .. if u sengsara no one here can help u.. so choose wisely.