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The time has change..human being become smart and smarter than yesterday. Cash of money not the subject anymore, what people really need today is a credit card. The credit card is the largest product of most existing bank today.

No doubt, main income of bank is credit card however, most of us as a consumer has over look at that credit card without realizing that will be the worse thing you ever have in the future. The most popular credit card is a “Visa credit card” and “master credit card” (in Malaysia).

For those of you might think owned the credit card can solved their problem, otherwise might thinks have a credit card make you look more executive than other person.

In my personal opinion having a credit card is the another solution that you can choose alongside the cash.

Nevertheless, control over your credit card is needed. Using credit card only if there the situation push you around like an emergency or book a seat on a plane and so on.

Here some of tips that you use control over your credit card

1. Using debit card Instead of credit card.
2. Use your credit cards wisely and write down why you want to save.
3. set a budget.
4. Do an expense inventory.
5. Pay off credit cards first.
6. Don’t go shopping for fun.

P/s: until now, a credit cards not my 1st priority..I prefer using debit card as an alternative to credit card instead.

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