used to own 1. just get the one that is compatible for you to do the 12 month no interest payment (EPP). Maybank one is good. Of course get the islamic version if you're muslim.

Don't ever swipe more that what u can pay. sakit woo bayar lumpsum just for CC. If maybe 200/month EPP still manageable. Plan your purchase. Now I seldomly do big purchases unless got extra cash or absolutely necessary.

CC is just a means of payment. Don't even fall into the debt trap. also I don't care about the CC freebies. just get one that waives the yearly fee. all those points la,etc is overrated for me.

This post has been edited by MegaCanonF: Dec 29 2022, 10:05 AM