bagi anyone who does not has credit card yet, GOOD. kalau boleh, tak payah.
tapi bagi yang dah ada, below are some reminders...
1.Avoid to use credit card to buy daily expenses such as makanan. minuman, pakaian, kasut , isi minyak dll- use cash.
2. delete pemikiran ' tak pe guna credit dulu, nanti dapat gaji, bayarlah...'
memang benar,kamu boleh bayar kemudian, tetapi kita tak akan tahu apa keperluan/ emergency masa hadapan...entah2 dah dapat gaji, something happen that we need to use money...hutang credit card tak terbayar
3. guna credit card if you want to avoid to carry a lot of cash money....cthnya nak beli barang yang harganya beratus/ beribu, so can use credit card...tapi make sure dlm bank dah ada duit utk bayar benda tuh
balik shopping, terus bayar amount tersebut...PAY FULL.
4. once again, try to pay full amount.jgan bayar half2, nanti kene bayar interest lagi..sbb lambat bayar full...interest credit card tinggi...
5. cara terbaik gunalah E-Debit Card....cara paling berkesan ( bayar tunai tanpa perlu withdraw money).
p/s: this is only sharing item...
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