which credit card you are using???

ok, mood today nk citer about perbelanjaan berhemah.
yer la, lately segala benda naik rega. gula la, letrik la, & latest Astro pulak. dengar kata petrol pun x lama lg nk naik. isk...isk
ehhhhh mengada tau derang ni, korang ingat gaji aku naik tiap2 bulan ke??

ok, ok back to cerita aku. since now we tend to spend more, so if u can save in certain2 benda, better take the opportunity and grab it.

in my case. i am a loyal ambank cc holder since 2002. yup, dapat je 2nd gaji, terus pi ambank nk apply cc. uihhhh.... kecik2 dh belajar berhutang ok!! tapi it's ok tu zaman2 jahiliah aku & baru celik mata pegang duit sendiri. now dh insaf. (sangatttttt)

dulu ambank cc ala2 mcm x famous. org lg byk guna citibank, cimb, maybank, etc.

ramai tanya aku, apsal aku x guna cc lain? why setia dgn ambank yg just bg aku max credit RM8000 je tu? if bank lain senang2 min derang will offer rm10,000 credit limit.
jawapan aku senang je

1) aku nk buat sumbat apa credit limit byk2??? ko ingat ko spend tu ko x yah bayar balik?? dia kasi FOC je?
2) x yah byr annual fee
3) ambank paling dekat dgn umah aku (dulu). so time dulu, mana tau byr bill online ni. kena pi byr kat mesin dia. so sgt le senang.
AND....last but not least, yg paling best
4) better offer/promo

ok, let me share some of the promo yg aku sgt suka. actually it started early last yr rsnya.

Buy 1 free 1 movie ticket @ cineleisure. dh nama kaki wayang kannnnn... yg paling aku suka. pi la hari apa pun, time bila pun, u r entitle for this.



lastest promo. start june 11 - march 12. 20% cashback for purchase petrol, groceries, shopping kat tempat yg distated kat atas tu. the tricky part is ONLY during weekend. eh x kisah le kan, sah2 le kami shopping groceries time weekend pun. if you tgk balik, 20% is a bit byk gak le, i mean if sebulan minyak kereta is rm400. so i can get back rm80 kan?

 i know some of u out there langsung x de cc dgn alasan, x suka idup berhutang. well, aku x suruh/cakap berhutang pun. i mean, if u spend rm100 using cc today. so bila bill dia sampai, bayar le semua. yg berhutang tu if bayar skit2.
got what i mean?
& lg satu, cc ni good for emergency. sekali masuk spital, kena bill ribu2. x kan le nak pi ATM keluarkan duit bagai. x ke dh membahayakan diri nk pegang cash byk2 pulak. oh lupa, now dh ada debit card kan? tapi semua tempat accept ke? x sure la pulak kan?

for me, apa2 pun terpulang pada diri sendiri. if u can control yourself, ko ada le 10 cc pun. x de effect pun.
as for me, i'm controlling myself jgn overspend if i can't afford.


have a nice weekend ladies,
Hirdajane