Hi guys Assalamualaikum. Hari ni I nak cerita pasal ‘CREDIT CARD AWARENESS’.

Since I can say 99% of Melayu kita so scared to use CC. Meh nak cerita pro, cons, tips & tricks kat sini since dah ramai jugak yg DM.

Please RT utk kemaslahatan bersamahttps://abs.twimg.com/emoji/v2/... draggable="false" alt="☺️" title="Smiling face" aria-label="Emoji: Smiling face">
Ok I start guna CC since umur 18 masa study kat Egypt. Abah bagi as supplementary. So if purchase anything dia bagi mesej kat Abah la kanhttps://abs.twimg.com/emoji/v2/... draggable="false" alt="🤣" title="Rolling on the floor laughing" aria-label="Emoji: Rolling on the floor laughing">

So aku mmg guna untuk beli tiket international & travelling je. For me, CC is necessary for those studying abroad.
Kalau dulu HSBC CC paling berkuasa sbb dia recognised all over the world.

But now rasanya semua bank dah boleh guna international. So no worries. I would recommend:

1. Maybankhttps://abs.twimg.com/emoji/v2/... draggable="false" alt="✅" title="White heavy check mark" aria-label="Emoji: White heavy check mark">
2. CIMB
3. Hong Leong
4. HSBChttps://abs.twimg.com/emoji/v2/... draggable="false" alt="✅" title="White heavy check mark" aria-label="Emoji: White heavy check mark">

Yg I tick tu I ada
Sebab nak apply HSBC bukan senang ya. I dulu pun dia approve utk buat joint account after tunjuk offer letter for studying MBBS kat Alexandria University, Egypt. Adik I yg al-Azhar skrg pun kena tunjuk offer letter bagai jugak. Susah!
So Maybank pulak kenapa I buat sebab last year I nak beli iphone XR tapi nak ZIPP 12x taknak bayar lumpsum. Apa kau ingat doktor semua mampuhttps://abs.twimg.com/emoji/v2/... draggable="false" alt="😂" title="Face with tears of joy" aria-label="Emoji: Face with tears of joy">

Hutang belajar je dah 70k lol.
Kawan aku PTPTN RM0.5juta weh!

P/S : Selingan,tak berbaloi kan amik medic haha
Goodbye Ip5 yang buruk nak mati sampai specialist aku cakap

“Iphone apa nii?”
Pastu dorg gelak ramai-ramai.
“Ok lah still iphone kan”

Cis tak guna https://abs.twimg.com/emoji/v2/... draggable="false" alt="😂" title="Face with tears of joy" aria-label="Emoji: Face with tears of joy">
Berjasa 6 tahun ok fon ni haha. Sekali je rosak sbb dah uzur sgt. Guna iphone jimat!
Ok sambung.

Brp hari dia approve?

Depends. Kalau macam I dia approve in 3 days. My husband pun 3 days (husband I bukan doktor)

Just bring your payslip 3mo ke 6months I tak ingat dah. Tapi kalau convincing cpt je approve no worries
I think those yg kerja gov, kerja tetap or with stable company, very convincing utk bank approve cecepat. Kalau yg cikgu pun senang je rasanya. Mama & Abang I pun ada , they all cikgu.
Limit CC macam mana pulak? Berapa banyak boleh belanja?

Limit biasanya dia akan letak double gaji u. Let say gaji RM5k, dia bagi limit RM10k. Tapi pandai2 la kau belanja, jangan la sampai double gaji https://abs.twimg.com/emoji/v2/... draggable="false" alt="😂" title="Face with tears of joy" aria-label="Emoji: Face with tears of joy">

Spend wisely weh
So pros dia yang paling function sekali :

1. ZIPP
Zero interest payment plan.
Kau bayar installment tapi 0 interest so no harm kan?

2. Maintain cashflow
Sama mcm contoh aku beli iPhone XR tapi taknak bayar lumpsum 5k so aku buat ZIPP by Cc
3. Lagi selamat dari bawak cash.
Kau bayangkan kau bawak 10k CC vs RM10k cash. Tak ke gila kalau hilang? At least kalau CC hilang kau blh block terus, kalau cash hilang? Plus CC sekarang ada PIN number, dulu takde tau masa zaman aku start pakai 2011 tu.
4. Better choice for travelling overseas.
Masa travel Italy dgn kawan2 serumah dulu, one of us kena pickpocket €350 =RM1600. Kawan yg pegi Paris total lost almost RM12k! So dari situ kitorang ambil pengajaran lepas ni travel bawak cash sikit je. Guna CC
5. Lebih mudah
Dari segi yg aku sebut tadi, takyah risau bwk cash bebanyak dlm handbag. Plus blh ZIPP. Takde CC takleh ZIPP ye

6. Boleh dapat point/rebate/cashback
Yg ni aku tak reti sgt. Sapa pandai boleh la share
Cons:

Hampir takde. Cons hanya akan berlaku bila kau seorang yang BOROS! BIG SPENDER ALERThttps://abs.twimg.com/emoji/v2/... draggable="false" alt="‼️" title="Double exclamation mark" aria-label="Emoji: Double exclamation mark">

Bila kau belanja lebih dari kemampuan utk bayar balik>kena denda>tak mampu bayar>sitos>muflis

But no worries aku tak pernah jumpa org muflis sbb CC. Bisnes yes
Tips&tricks CC:

1. Been using it for ZIPP & isi minyak onlyhttps://abs.twimg.com/emoji/v2/... draggable="false" alt="😂" title="Face with tears of joy" aria-label="Emoji: Face with tears of joy"> and I really enjoy the benefit!

2. Jgn guna masa shopping biasa-biasa like groceries or pegi mall. This one use Debit card to prevent over-spend
3. Make sure guna sekali at least in 1 year. Otherwise they would charge u for not using their CC. Rate depends on bank. Tapi Abah cakap bank akan call dulu remind u utk guna before they charge u sesuka hati.
Berbalik kpd how I know 99% Malays takut nak ada CC?

Sebab 100 org Melayu mesej aku nak beli periuk tapi sorg je yg ada Cc. Senior aku yg dah MO gaji 8K pun takde CC. Rugi tau sbb you deserve the financial freedom n spending.
Yang bawah ni pun aku explain better apply CC utk ZIPP sbb dia nak beli iphone. Penat explain last2 ken reject jugak https://abs.twimg.com/emoji/v2/... draggable="false" alt="😂" title="Face with tears of joy" aria-label="Emoji: Face with tears of joy">

Alasan takut terover spend ni sama macam kau takut nak pegi supermarket takut terguna duit. Ouch!
Inspired to write up this after nampak tweet ni. Credit to @lukmankhiruddin
Those friends yg DM I tanya pasal CC recommendations. 3 of them are doctors, one is working in the UK. And another one I baru kenal after she DM mehttps://abs.twimg.com/emoji/v2/... draggable="false" alt="😂" title="Face with tears of joy" aria-label="Emoji: Face with tears of joy">

@MurtZainal @fdzlnZ @fadzlienzahari @ataeera
Those friends yg DM I tanya pasal CC recommendations. 3 of them are doctors, one is working in the UK. And another one I baru kenal after she DM mehttps://abs.twimg.com/emoji/v2/... draggable= @MurtZainal @fdzlnZ @fadzlienzahari @ataeera" title="Those friends yg DM I tanya pasal CC recommendations. 3 of them are doctors, one is working in the UK. And another one I baru kenal after she DM mehttps://abs.twimg.com/emoji/v2/... draggable="false" alt="😂" title="Face with tears of joy" aria-label="Emoji: Face with tears of joy"> @MurtZainal @fdzlnZ @fadzlienzahari @ataeera">
Those friends yg DM I tanya pasal CC recommendations. 3 of them are doctors, one is working in the UK. And another one I baru kenal after she DM mehttps://abs.twimg.com/emoji/v2/... draggable= @MurtZainal @fdzlnZ @fadzlienzahari @ataeera" title="Those friends yg DM I tanya pasal CC recommendations. 3 of them are doctors, one is working in the UK. And another one I baru kenal after she DM mehttps://abs.twimg.com/emoji/v2/... draggable="false" alt="😂" title="Face with tears of joy" aria-label="Emoji: Face with tears of joy"> @MurtZainal @fdzlnZ @fadzlienzahari @ataeera">
Those friends yg DM I tanya pasal CC recommendations. 3 of them are doctors, one is working in the UK. And another one I baru kenal after she DM mehttps://abs.twimg.com/emoji/v2/... draggable= @MurtZainal @fdzlnZ @fadzlienzahari @ataeera" title="Those friends yg DM I tanya pasal CC recommendations. 3 of them are doctors, one is working in the UK. And another one I baru kenal after she DM mehttps://abs.twimg.com/emoji/v2/... draggable="false" alt="😂" title="Face with tears of joy" aria-label="Emoji: Face with tears of joy"> @MurtZainal @fdzlnZ @fadzlienzahari @ataeera">
Those friends yg DM I tanya pasal CC recommendations. 3 of them are doctors, one is working in the UK. And another one I baru kenal after she DM mehttps://abs.twimg.com/emoji/v2/... draggable= @MurtZainal @fdzlnZ @fadzlienzahari @ataeera" title="Those friends yg DM I tanya pasal CC recommendations. 3 of them are doctors, one is working in the UK. And another one I baru kenal after she DM mehttps://abs.twimg.com/emoji/v2/... draggable="false" alt="😂" title="Face with tears of joy" aria-label="Emoji: Face with tears of joy"> @MurtZainal @fdzlnZ @fadzlienzahari @ataeera">
N also sambung cerita kawan-kawan yg nak beli periuk tapi takda CC, nak bayar cash macam tak sanggup so terpaksa join kutu. Ok je cuma lambat la dpt periuk nyahttps://abs.twimg.com/emoji/v2/... draggable="false" alt="😅" title="Smiling face with open mouth and cold sweat" aria-label="Emoji: Smiling face with open mouth and cold sweat">

Kalau ada CC boleh dpt terus even tak habis bayar lagi. Ni pros paling fx la utk mak-mak
Ok dua info aku baru dapat

1. ZIPP tu mmg zero interest tapi kena call bank make sure ada caj pengendalian tak

2. Advantage CC siapa yg bayar clean nanti senang bank nak approve kalau buat loan afterwards
3. Minimum gaji utk apply is RM2k

Pastu siapa nk tanya lebih boleh DM banker ni. Sorry aku taktau sgt nak reply apa kat DM tu sbb aku bukan banker https://abs.twimg.com/emoji/v2/... draggable="false" alt="😂" title="Face with tears of joy" aria-label="Emoji: Face with tears of joy"> @thesyafiqism
And all of this ilmu credit to my Abah https://abs.twimg.com/emoji/v2/... draggable="false" alt="😭" title="Loudly crying face" aria-label="Emoji: Loudly crying face">. Abah I orang kampung je belajar sampai SPM je then pencen bomba. Kerja biasa je kan tapi ilmu financial mmg I salute gila. Thank you Abah love you! https://abs.twimg.com/emoji/v2/... draggable="false" alt="❤️" title="Red heart" aria-label="Emoji: Red heart">
Pastu Siakap Keli pm aku weh https://abs.twimg.com/emoji/v2/... draggable="false" alt="😂" title="Face with tears of joy" aria-label="Emoji: Face with tears of joy">
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