I use credit cards to buy stuff online, and I always pay it back at the end of the month. You can also get reward points, which is good. As long as you pay it off at the end of the month, you should be good. Just don't leave a balance on it.
When I use my credit card, I pay them in full at the end of every week or earlier. 😊 keeping the balance at zero. the bank I use auto waives any annual fees, so practically I rarely check my statements. periodically, I will check how many potential miles I have accumulated.
Use credit card responsibly.. it's not free money cos eventually you need to pay it back. So having said that make sure u already have the money in the bank before u spend it. Cos owing that money on a credit card is 24% interest rate. Just be responsible and if u have financial issues approach your family for help
Actually, I quite like the interest free installment function of Shopee or car repairs etc, cause it actually helped to manage my cashflow. Of course, you need to have the amount in your bank before doing this lah.
the macik at 9:30 jin hard core running. LOLOL. Probably the most important word is "discipline" in the whole video.
Shoot she run faster than me siol…..
I use credit cards to buy stuff online, and I always pay it back at the end of the month. You can also get reward points, which is good.
As long as you pay it off at the end of the month, you should be good. Just don't leave a balance on it.
3:16 alvin-ge so funny
A sensible chap, this Alvin... That's good... 😊
9:59 I owned some ESR Reit, it is giving me dividends every half yearly 😅
When I use my credit card, I pay them in full at the end of every week or earlier. 😊 keeping the balance at zero. the bank I use auto waives any annual fees, so practically I rarely check my statements. periodically, I will check how many potential miles I have accumulated.
Use credit card responsibly.. it's not free money cos eventually you need to pay it back. So having said that make sure u already have the money in the bank before u spend it. Cos owing that money on a credit card is 24% interest rate. Just be responsible and if u have financial issues approach your family for help
Actually, I quite like the interest free installment function of Shopee or car repairs etc, cause it actually helped to manage my cashflow. Of course, you need to have the amount in your bank before doing this lah.