kiatling

Credit cards are a killer for those who don't know how to handle their money. Many people spend the money not belonging to them. Western countries governments can not control the banks of issuing credit cards to anybody even high school students without income. Banks are the ones who supporting the government which even the parties won the election. This have to depend individual who knows how to control their money. Smart person will using the money first then pay off when the statement come, but make use you have those money first. The interest rate is killing you. If you owe one hundred ringgit, but only paid fifty ringgit, you thought have to pay that remain on interest. Sorry you are wrong. Next month have to pay the one hundred ringgit interest instead of fifty ringgit. That is the catch of using credit cards. Nowaday many people can own an American Express credit card no more high class credit any more. I am using only one Mastercard which is free, no annual fee, spare card is Visacard which is also no annual fee.