Wednesday, July 9, 2008

Debit Card vs Credit Card...which is better??

Korang ingat hidup orang yang takde credit card macam aku ni sangat dandy ke???

Hehehehe...ye la. Ok la jugak agaknya. Sebab at the end of the month kurang sikit fikir pasal hutang. With the rising cost and everything. not having a credit card actually helps me to curb my spending extravaganza....so at night tunang aku tido dengan nyenyaknya because I complain less of an ever increasing debt.

*Apa kaitan tunang aku tido nyenyak bila aku tak de hutang???hehehehhe...obviously yourstruly kena la jadi hero bila cik adiknya kesesakan....paham paham je la*

But then, all the convenience of having a credit card pun takde la.

No online shopping.

No cashless purchases.

No extended credit line....(hehehehe, the one I miss the most, yet hate to face when the bill comes).

Menggelupor bila dapat tau bos nak hantar pi outstation. Then have to over and over again remind the secretary that a fat advance is required, coz all my dealings are in cash...

*ceh ceh ceh....macam bitchy je. Padahal duit takde tu...*

So my last resort arrives in the form of....


And so I dengan gigihnya cepat-cepat pergi transform my ATM card (yang kaler kuning tu) to the new sassy Visa Maybankard semalam....so that in case aku stuck kat mana2...aku boleh SOS sape2, masukkan duit dalam bank and voila, swipe swipe, as long as ada tanda penyelamat bertulis VISA.
*Sangat keji niatku ini...*
Tapi....
I just got wind that if we use it at petrol pumps, no matter what the amount of petrol is pumped, it will automatically deduct at least RM150, in which later when the transaction has gone through and verified, the remaining balance (of what is not pumped in) will be cordially returned.
Apa ni???Sangat tak efisyen as compared to the normal ATM card, yang approve the exact amount on the spot!!!!Aku tak soka!!!
Nasib baik dah boleh buat online shopping since June....kalau tak mau aku menyirap2 naik darah kat sini meroyan memikirkan kenapa aku tukar kad in the first place...
Dah la kena jaga bagai nak mati. Coz it's linked to your bank account, and if hilang and si pencuri swipe semua your account balance, then that's it...
*Harusla simpan number Maybank on speed dial, or somewhere easily accessible...so that if the worse thing ever happen (touchwood!!!) boleh la call Maybank asap*
Now I miss my credit card(s) bagai nak mati!!! I wish it was never cut in the first place!

1 comment:

Wawa said...

i dah potong i punya cc.

tapi i still make sure i have one in hand, just in case lah kan.

tapi kena disiplin lah.

so far masih boleh mendisiplinkan diri sbb most of the times buat bayar masa pergi hospital je.

and debit card tuh?

malas la nak apply since banyak tempat dah boleh accept bayar guna bankcard terus kan like jusco and parkson and petronas.

:)