sambungan dari part 1 yg dah lama di post.. the same typical excuse, malas & kunun2 banyak keje.. hehe.. tetiba terbaca pasal credit card usage dekat one of the blog i read this morning.. so here i'd like to share my tips.. Alhamdulillah i'm practising it so far:
(+) use CC wisely, dont let it use you
> do not misuse, i use it coz i dont prefer bringing cash (malas beratur kat atm). plus bleh dapat points!
(+) take advantage of interest free period
> pay immediately after swiping it. i never wait for the bills. u know how much u've used, so just pay ok.. i usually use maybank sbb senang nak bayar online..
(+) watch out for annual fees
> if your CC have annual fees & you are a good payer, call them and ask for a waiver. they'll put u on reccomendation (maybank did this)
(+) don't spend more than what you can afford
> know your pocket size ok?
(+) practice RM0 CC balance
> or at least put it to the very minimum.. ingat, jgn menyumbang kepada riba k?
3 comments:
kite pon suke swipe kad hehe...tp masih berdisiplin lagi takde utang lepas due date so far...bagus bagus must keep it up okeh!
ha ah.. senang sgt swipe kad.. kite tgh mneyekat nafsu berbelanja nih.. kita tambah potongan tabung haji.. so rasa cam miskin sket.. lgpon malas nak pegi tabung haji nak kuarkan duit.. =) u too keep it up!
suka sgt kelebihan CC - dpt point, dpt rewards!
tapi pernah sekali bayar lambay & kene bayar late payment caj RM5
skang takyah swipe lagi kalau guna CC WAve!eheh
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