@jeff_ckf,
If Ur spending more than U earn, what use is keeping 6 months of income? With housing loan coming into effect, my expenses p/month has now increased to RM6k p/month.

@jeff_ckf,
It's a cycle we all go through and it's almost not possible to purchase a house using cash - if U could afford to accumulate that amount of cash, U probably would be aiming for a more expensive property *gulp*

@jeff_ckf,
I think most would be due to CC debts, or default loan payments.

It doesn't look like I'm going to be able to afford another property anytime soon so no need to look out for now *grins*

@eRiCCa,
We're all teachers - whether U know it or not

I don't think it's fun to be declaring bankrupt; I know I certainly wouldn't

@goolie,
I act do haf friends who utilises CC's instalment plan payments - i wouldn't say they're bad at handling their $ cause they still do pay up at the end of each instalment, in full

@SeaMonster,
Y should we not apply for more than 2 CC's?

Like it was discussed in the past, U do not need to spend ALL available CL

@dr2k3,
Keeping the cards @ home could be risky too? U should consider collecting Greeting Cards instead; less risk

@dr2k3,
It's cut into half for safety reasons; it's just in-case Pre cautions that people take. You could start collecting 'member cards'; things like Jusco Card, Metrojaya Card, Bonus Link Card, etc etc

@dr2k3,
Ok Ok... We have all kinds of collectors. Some people like to collect stamps, some likes to collect bugs, U just like to collect Credit Cards

@hye,
If I can find someone to keep paying off those debts, I sure wouldn't mind collecting it

I don't mind collecting Car Registration Cards *grins*

@yewkhuay,
S&P's aren't cards!

@dr2k3,
Obviously he'll think of it as the other way round before he started paying off those debts for me

@yewkhuay,
U could if they do give them out. As for me, I rather be cash rich

I think we should stop spamming and get back to the topic being discussed.

Even if there isn't, we shouldn't treat his as a Kopitiam topic ok?

@goolie,
I believe U get a rebate even if U maintain RM0 balance at the end of the month. The onli difference is that the rebate is lower.

@htkaki,
Look properly, it's there under "What You Get". For RM0-2000 carried forward balance, U get 1.5% rebate on Shell Fuel and 0.5% on other purchases (for Classic Card category).

@vicng,
Yes that is right, but that's for the Gold category. I don't think we need to bother summarising that here because one can alwiz get onto the Citibank website to read.

I think it's big enough so it's not possible to miss it; perhaps misunderstand it

@famous,
That is right except I do not currently hold a RHB card and I don't intend to get any more new CCs so I will haf to make do and use of what I oredi haf

Also, ur petrol's only RM80 p/month? Heck, RM80 isn't even sufficient to get me a full tank these days!