If now got e wallets like grab tng boost to redeem points and vouchers, what's d use of credit card? If no want to buy things on credit?

I don't have any credit card atm...

Use credit card to top up e-wallet.
Also to get lounge access at airport.

This post has been edited by jetblast: Nov 19 2020, 08:09 PM

- can use oversea.

- cash back from credit card sometimes is better.

- almost all places that accept ewallet, accept visa/mastercard. but not all places that accept visa/mastercard, accept ewallet.

credit card can buy things with zero interest installment

affin duo reload e wallet got 3% cashback

a lot campaigns to earn this and that, depend on what card you get and how many.

low utilization and good payment record can help build ur credit score, like ccris

most important is serve as a source of emergency money

reward points.

also increase credit score if u are good paymaster. all those e wallets won't do that.

and you have access to 0% EPP (installment plan) that were exclusive on credit cards.

Dah kurang pentingnya CC...

Sorry what's dis 0% installment u guys are talking about? All cards got this feature automatically? Or need partner up with retail outlets?

Best thing about using cc for me is consumer protection. Whenever I buy something online, I always use cc. If the seller screw me, or Shopee/Lazada doesn't want to entertain my refund request, I can just dispute the transaction with the bank. They will take a few days or weeks depending on case, before reverting the transaction. In the mean time you still have your money (unlike if you use debit card). I see a lot of threads here where people complain about Shopee/Lazads that can be easily avoided by using cc.

But I would advice you to avoid cc like the plague if you cannot commit in paying full every month.

Not everywhere currently or will accept e-wallets.

Also credit card can help you establish a credit score, especially if you have no history.

+1
Cards are so much easier at supermarkets or when your hands are full. No need to fiddle with your phone. Just wave and go.

you no need deposite money on CC instead bank pay it first, good for ppl who smart on exploiting cash flow control.

you can stop/on hold any fault transaction and reduced risk your money being burnt from such inciddent

If you don't know why CC is good, you need to read about it more.

1. Better protection.
2. More reliable.
3. Worldwide use.
4. Perks and Benefit.
5. Sign Up Benefit.
6. Credit Score.
7. Cash Back + Points (on top of benefits and sign up benefits)
8. Easy Instalment Plans (0%)

1. oversea usage
2. it will be damn useful if you go business trip ..unless you plan to folk out your own saving 10k 20k to pay your hotel fees while waiting reimbursement from your company
3. better protection
4. cash back and benefit (certain high tier credit card provide you free access to most of the airport lounge for free)
5. build your credit report and score for your future house loan

This post has been edited by fantasy1989: Nov 19 2020, 09:00 PM

oversea spending

Credit cards make many poor financial managed consumers ended up appointment with AKPK

not all card

need supporting merchant and supporting banks.

maybank is the most common card with EPP out there.

most online shopping platforms like lazada/shoppee supports it. when you want to check out, you can choose that payment option.

When u go outstation, the most basic thing u need is cc. Dun ever go outstation without a cc.

why?

ewallet you spend 1 million also won't improve your credit rating

also those ewallets are pretty much local only. Credit card can use in any country.

Sorry, the outstation i mean is out of country. What happen if u run out of cash in foreign country? What happen if u need to stay for 1 or 2 weeks and need to pay for hotel fees? U gonna bring cash to pay?