credit cards
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since the topic on credit cards was so "hot" for that ladies cards, i think i wanna start a new thread on credit cards generally.
How many credit cards u all own? what kind? When did u get ur first card and with what monthly salary??
For me, i dun have any now.. only my debit card
I'd like to get one eventually, onli ONE, for big purchases n maybe for pumping petrol (more convenient). other than that, i dun see the need for multiple cards, as i'd have bills to so many different cards and it'll be so confusing...
Plus too many cards and i may overspend..
Anyone with multiple cards wanna dispute that?
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i got 3. but never overspend. every mth die die must clear the bill fully else kenna interest then die man.
thot nowadays apply credit cards veli easy? -
24% per annum interest is no joke.
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one debit card
when grow up, i want to habe 20 credit cards like my papa, and 10 sub cards like my mama -
Credit card holders have to read the fine printOriginally posted by Deportivo:24% per annum interest is no joke.
Its 24% nominal i/r. They compound 2% every month
That works up to 26 point something % a year...leeches...
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i only use a certain credit card when that certain card have discount...hence i never overspend...it requires alot of self discipline...Originally posted by Steph84:Plus too many cards and i may overspend..
Anyone with multiple cards wanna dispute that?
credit card is for convenience and saving...not for overspending -
all my working life, i had one..
in the beginning, i got the UOB Boat Quay Visa coz i went there a lot with friends
gave me 10% to 15% on a lot of the watering holes there..
after a while, we stopped going there...
so the card was abandoned for the M1-Citibank one since it gave a bunch of perks for M1 users...
which i am still using...
still got only one
oh... always pay in full, don't let the leeches get you on the interest.. and in turn, you leech them because of the perks
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i got some friends, gals, who get credit cards not for convenience sake or because they got tonnes of money
its because of the discounts they can get around shops if they just flash the card -
yes i have many gal-friends in that situation too. why can't they have cards for men?Originally posted by laurence82:i got some friends, gals, who get credit cards not for convenience sake or because they got tonnes of money
its because of the discounts they can get around shops if they just flash the card -
i have 4 debit cards...
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their cards need not be ladies card...Originally posted by Deportivo:yes i have many gal-friends in that situation too. why can't they have cards for men? -
I am holding 2...1 visa and 1 mastercard(all supp cards)...I keep the mastercard at home...its just for bills...I carry the visa around...for petrol and purchases.Originally posted by Steph84:since the topic on credit cards was so "hot" for that ladies cards, i think i wanna start a new thread on credit cards generally.
How many credit cards u all own? what kind? When did u get ur first card and with what monthly salary??
For me, i dun have any now.. only my debit card
I'd like to get one eventually, onli ONE, for big purchases n maybe for pumping petrol (more convenient). other than that, i dun see the need for multiple cards, as i'd have bills to so many different cards and it'll be so confusing...
Plus too many cards and i may overspend..
Anyone with multiple cards wanna dispute that?
actually...dun need to have a lot of credit cards one...maybe 1 from each bank will do...consistently use one...the others...just for discounts and perks...
I think if U really overspend...U can do it with just one card...just that with only 1 card....ur debt is more managable lar...but the sad thing is...normally people apply for their next card to settle the bills for the previous one...so...
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pumping petrol?Originally posted by Steph84:since the topic on credit cards was so "hot" for that ladies cards, i think i wanna start a new thread on credit cards generally.
How many credit cards u all own? what kind? When did u get ur first card and with what monthly salary??
For me, i dun have any now.. only my debit card
I'd like to get one eventually, onli ONE, for big purchases n maybe for pumping petrol (more convenient). other than that, i dun see the need for multiple cards, as i'd have bills to so many different cards and it'll be so confusing...
Plus too many cards and i may overspend..
Anyone with multiple cards wanna dispute that?
you can afford a car but not a credit card? -
2 visa - 1 ocbc normal visa for normal expenses like petrol, dinner, oversea purchases, large purchases...
1 robinsons visa for purchases at robinsons, john little and marks & spencers...
+ 1 am ex. supp. from my mom. never use.
clear your bills at the end of every month. make sure don't get into the habit of owing the bank $$$. the interest alone will kill you!!! -
and while you are alls on the topic,
whats a charge card? -
one debit card..
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Credit Cards r a need, not a want.Originally posted by Steph84:since the topic on credit cards was so "hot" for that ladies cards, i think i wanna start a new thread on credit cards generally.
How many credit cards u all own? what kind? When did u get ur first card and with what monthly salary??
For me, i dun have any now.. only my debit card
I'd like to get one eventually, onli ONE, for big purchases n maybe for pumping petrol (more convenient). other than that, i dun see the need for multiple cards, as i'd have bills to so many different cards and it'll be so confusing...
Plus too many cards and i may overspend..
Anyone with multiple cards wanna dispute that?
Curb ur desire to use it. 1 card is enuf! -
I have three ....
one of my own and two sup cards my parent's gave me for emergencies ...
and the last time i used anyone of them was 5 months ago ....
if you stick for cash or debit cards alone, you'll never ever run up any debts ... -
Bingo.. CASH is KING! be prudent in using any cards unless its NETS/POSB ATM (my best choice of cards always ..haha)Originally posted by Fatum:I have three ....
one of my own and two sup cards my parent's gave me for emergencies ...
and the last time i used anyone of them was 5 months ago ....
if you stick for cash or debit cards alone, you'll never ever run up any debts ...
no more credit cards for mi ...cut up all 3 cards.. giv me free platinum or real gold plated card i also du dare to take up..
Cold hard cash rules.. 
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no credit card, only a debit or visa electron card.
abit inconvenience at times, like when you go overseas or US or somewhere...but i just dislike paying the interests. -
that is quite true to certain extend....but hor....u can get discount (like 1-for-1) if you use credit card...Originally posted by CP25:Bingo.. CASH is KING! be prudent in using any cards unless its NETS/POSB ATM (my best choice of cards always ..haha)
no more credit cards for mi ...cut up all 3 cards.. giv me free platinum or real gold plated card i also du dare to take up..
Cold hard cash rules..
if u choose cash...then u dun get the offer...
so use credit only if it offer discount lor.... -
not very practical to carry large amount of cash with you all the time...Originally posted by CP25:Bingo.. CASH is KING! be prudent in using any cards unless its NETS/POSB ATM (my best choice of cards always ..haha)
no more credit cards for mi ...cut up all 3 cards.. giv me free platinum or real gold plated card i also du dare to take up..
Cold hard cash rules.. -
I'm guilty of having too many. I love them store cards. My favourite would be Tangs, for the cash rebate.
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can i get a card, n not use it? do i have to pay for anything at all?
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unless it comes with a waiver of renewal fees, cancel it a month before the expected renewal date. there aren't any monthly service fees as far as i am aware.Originally posted by shinta:can i get a card, n not use it? do i have to pay for anything at all?
heck, even if you are billed renewal fees, just call them and tell them that you wish to cancel the card in any event!