The fact is, unpaid amount becomes a debt and debts tend to snowball into bigger debts. At 18-24% per annum, the debt balloons very fast. True story - a RM20K "leftover amount" ballooned to RM65K in less than 3 years. Once you have a little amount unpaid, it tends to become unpaid for a loooooooong time. Very soon you'll get the bank calling you everywhere (including your office) and all the time (including office hours) to remind you of your unpaid money.

The keyword is SETTLE the full amount even if you need to uplift your FD or withdraw from your savings. Salaried worker's income is constant every month. Don't dream of a sudden windfall later on that will improve your payback ability...only businessmen have the ability to carry forward their debts during good times...but go bankrupt when the projected future income falls short.

Don't believe those gurus that tell you rollover debt is part of life and cash is King...it works only for business people NOT for salaried worker's. The banks pay you 3% interest p.a. for your FD but charge you 18-24% p.a. interest on your unpaid credit card balance. It doesn't take a genius to realize you're dealing with legalized loan sharks - run as far away as you can! It'll take you many years (sometimes never!) and many sleepless nights to get yourself out of this kind of debts that all started with just a tiny little carried-over unpaid balance!!😥