Credit card

 

Dalam zaman sekarang ni...tanyer je la sape pun...jarang betul kite dgr individu tu..takde Credit Card..betul tak?

Institusi perbankan sendiri banyak yang provide good incentives untuk sales people....pi la mane2 shopping complex....ramai btl yang dok buat marketing ...yg bagi free gift la, etc...tak terlayan kan?

Tetiba teringat  plak kat 1 of my cousin...ade 1 time tu dia kena approach by a sales person...he said that CCRIS dia x lepas..terus minah tu senyap...bagus gak excuse tu ..he he he...bad paymaster...

I pun ade gak credit card...tapi dulu ...b4 start pakai credit card ni...memang la rase.... sangat tak perlu pun....tapi bile dah start pakai...hmmm...mcm2 dugaan yg datang...I started with 1 card from the foreign bank...pastu...dengan the bank that i work with...tu pun siap kena panggil dgn GM lagi sebab i refused to accept their offer ...kira tak support our bank product la ...gitew..

Since dah kena panggil...I pun register la for my 2nd card.....

Dh bertahun2 guna card ni...tak di nafikan...mase emergency...credit card ni sangat la useful... tapi...bila sampai masa nak bayar tu...kadang2 , punye la liat...bila lambat bayar...kena charge interest pulak...tu yang tension tu...

So...lelama......dh jadi monthly commitment pulak...and bagi I....hutang credit card ni sangatlah membebankan tahap dewa punye...bagi org yang boros .... i tak nak komen la...but for myself... I mmg malas nak carry cash sbb senang nak control expenses...

Tapi kan...nafsu membeli belah ni...haiii...sesekali...blh hanyut jugak..

Senang cite...self dicipline sangat penting  bila kita guna credit card ni...ari tu sempat dengar kat radio..ade sorang caller ni bg tau yg dia pernah guna 15 jenis credit cards and it took more than 10 yrs to settle all her debts...dia cakap....dia pernah beli set pinggan yang harganya dalam 10k...phewww !!!

Ntah la...between needs and wants....or some people goes for high - end lifestyle..

therefore, credit cards are needed...tapi...kalau ujung bulan nanti...bukan org lain yang sakit...kite sendiri jugak yang sakit...

On the last Friday...I am sangat bersyukur that I had zero-rise my 2 credit cards a/c .I plan nak cancel jer...tgk la cane...soon kot.....

Malas nak delay...takut terpakai pun ado...he he he

Seriously, ade ke manusia yang tak suke shopping?