mortgage, car loan, credit card is already enough

in fact credit card/BNPL alone is enough

young malaysians' income today really cannot afford anything that they shouldn't be thinking about house or car and should NOT be owning any credit card
but reality is they did and it's bankrupting them
thus i'm gonna repeat myself time and time again, credit card is NOT a good thing...it will only make people spend more than what they can afford

nobody today truly can afford a house no matter how much you wanted it...so stop thinking about it

and you don't need credit card to show others that you have good credit...you just need to be able to show yourself peace