Get with the times

Get Debit Card or Mobile Payment

https://www.cnbc.com/2017/05/26/mark-cuban-...edit-cards.html

right 

Credit card encouraged people to get credited (to borrow money) unlike Debit Card or Mobile Payment, which teaches you to manage your financial wisely

Change of stance I see 

Correct, if annual fee RM100, Kastam earn RM6 only.

Now Kastam earn directly RM25. Maslan sure happy say see, SST naikkan harga barang, GST turunkan harga barang blabla.

If LGE smart, he can counter say but now make online payment/transfer, no more GST or SST. Last time if IBG transfer, bank charge 10 sen, Kastam earn 1 sen, that's 10% GST rate yo. Pay by cheque got 50 sen charge, Kastam earn 3 sen.

Now zero, satu sen pun tak ada.

I received a statement todak for my OCBC CC which I never use for years. Then at the same time they told me I got outstanding 25bucks. I was like wtf. So I call you the bank and ask. And here we go SST for cc. Without further talking I cancelled it.

And I have AM Bank and I was about to call them but they called me to intro their offers. I told that I'm about to call you but you call me first. So first question they ask, you want to cancel your CC right? Wtf again. So since you straight forward, I cancel it. So both bank gone for good.

As the rest got no choice cause need it. One question, can the SST be waive?