Apply CC if you want to maintain your cash flows & monthly cash reserve.

I know a lot of friends who earned above than average market but failed to maintain positive cashflows on their financial.

Kurang popular opinion ni, tapi apply lah credit card & sentiasa bayar on time. https://twitter.com/The_Endie/status/1257779799365316608

As someone who practice Finance, I’d advise young people to apply for credit card & spend within their means.

Orang kaya lebih kaya sebab diorang tahu maximise banking facilities on their financial.

Orang kita lebih ke arah stigma, pakai credit card = orang miskin perasan kaya

Pernah tengok orang shopping kat IKEA sampai RM10K-RM20K tapi guna 0% installment plan?

Kita kat belakang gelak sambil dalam kepala cakap dia miskin. Kan?

Melayu masih dengan pemikiran jelik mengenai credit card.

We have money tapi kita reserve duit tu untuk masa hadapan.

Dari keluarkan segedebuk RM15K kat kaunter, why don’t we distribute the commitment evenly every month with no interest - dan pada masa sama ada cash kalau jadi pape kecemasan.

Or save the remaining balance in FD.

Another tips to utilise credit card:

Kalau withdraw duit dari credit card kena caj interest tinggi (5%) + daily interest

What I do during emergency - I topup my BigPay or prepaid card -> withdraw dekat mesin ATM with caj around RM5-RM10

Modern problem requires modern solutions