credit cards
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 Dec 29 2022, 10:23 AM
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#1
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Junior Member
410 posts Joined: Jul 2021 
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credit card is a trap. if you are makan gaji, do not apply for credit card. you can pay full monthly statement for a year, for two year, even 5 years, but you definitely cant pay full for FOREVER. at one point in the future you will be trapped by credit card. this is how CC companies make profit. the so called "cashback and benefits" are just a cheap and small lure to trap you in the future. MegaCanonF liked this post
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Dec 29 2022, 10:26 AM
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#2
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Junior Member
410 posts Joined: Jul 2021
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QUOTE(holypredator @ Dec 29 2022, 10:24 AM) poor money management la tew.. how you so sure you can have good money management FOREVER ? |
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Dec 29 2022, 10:32 AM
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#3
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Junior Member
410 posts Joined: Jul 2021
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QUOTE(eclectice @ Dec 29 2022, 10:28 AM) You must still establish a credit history with the financial system before the banks can grant you a loan. There is no way around this if you cannot afford to buy large purchases in full cash. They want to see how you manage your credits. to establish credit history you dont have to USE the cc.CCRIS only look at 0 or 1 in the report. they dont count scores like in the US. |
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Dec 29 2022, 10:35 AM
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#4
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Junior Member
410 posts Joined: Jul 2021
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QUOTE(TheEvilMan @ Dec 29 2022, 10:29 AM) Check balance every one two days and not exceeding ur salary? Unless u love to spend beyond your salary and drain ur fix saving to feed the cc. Thats why i never enroll in any pay later option, that could screw u up if left unattend you can say this because you never had a financial difficulties.once people are facing financial difficulties, people will go to CC for solution. CC companies understand this well. thats why they will use anything to lure people using their credit card at the first place. |
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Dec 29 2022, 10:44 AM
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#5
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Junior Member
410 posts Joined: Jul 2021
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QUOTE(holypredator @ Dec 29 2022, 10:34 AM) Just spend within your limit... what you say everybody already know.Got credit doesn't mean you need to use it... It's honestly a personal thing but for me... I don't even spend on how much salary I have let alone credit limit... I spend on how much money I allocate from my salary for spending... For example... if I allocate 30% for spending... I will only spend till that amount... anything more means I cannot afford that thing so either I spend less for the next few months to accumulate the needed money or I just don't buy it at all.. even though I could actually pay for it... If you Gaya Mesti ada attitude... Earn RM3k spend RM4k... then that one GG la tew.... how do you think CC companies make profit ? |
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