credit card is really a bad idea, the yearly interest is very high,

if you really need it, rather than credit card why dont go for personal loan instead?

my loan approved 80%, my banker last time ask me to take personal loan with them if i cant pay the remaining, but i used my own saving instead to pay the remaining.

thats why i dont understand the banker, first say approved 90%, signed LA already then suddenly say got system glitch, actually only aproved 80%, but offer me personal loan instead.

i dont agree on the personal loan part and pay out of my own pocket instead.

maybe its their scheme to trap buyer into personal loan and make more profit.