Credit Cards

In the 20 century, almost everyone of us owned a credit card. For me, credit card is a MUST item as when I have a business trip to oversea, all the expenses like payment for hotel accommodation, car rental and etc is all done by using credit card. Usually, before ones have a business trip to oversea, our company will asked that employee to apply AMEX Corporate Credit Cards. AMEX has a very good reputation as well as a very good system. Everytime when I have my shopping especially in US, I got a special discount rate.

For my personal usage credit cards, I have CITI credit cards, HSBC credit cards and Maybank credit cards. But so far I consolidate all my payment by using Maybank VISA card because it is a zero interest credit card when I did my purchase from retail stores.

A lot of people actually owe money to credit cards but I suggest what we can do is to joining up all credit card balance transfer scheme. This will help to reduce some monthly or yearly interest. But I urged to all that do not owe any credits to bank. Buy whatever we afford to buy and don’t over spend. Good luck!