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holypredator
post Dec 29 2022, 10:24 AM

Ketard Gang
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QUOTE(Azran1979 @ Dec 29 2022, 10:23 AM)
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.
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poor money management la tew..
holypredator
post Dec 29 2022, 10:34 AM

Ketard Gang
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Senior Member
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QUOTE(Azran1979 @ Dec 29 2022, 10:26 AM)
how you so sure you can have good money management FOREVER ?
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Just spend within your limit...

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....

This post has been edited by holypredator: Dec 29 2022, 10:35 AM

 

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