Credit Cards

Ooo I just caught 5xMom blog on this and I totally agree on her ideals, and coincidentally Piggy just had a debate with his fren on yahoo earlier in the day, it started off with she asking how much I was earning....

Fren : "Ooo... then now can get credit card liao lor ;)"
Piggy : "Nah, I dont intend to get a credit card"
Fren : "Why not ? You can advance payment mar"
Piggy : "Ya, but the interest can kill you one, interest 18% you know ?"
Piggy : "Lets say you charge 100 dollars to your card, if you dont pay by end of next month, it will be 118 and in 2 months time it will be 139.24"
Fren : "But wont happen 1 mar, If you pay on time"
Piggy : "Still dont understand why you need a card for, credit cards are NOT a necessity"
Fren : "But no need to carry so much cash when wanto go shopping mar"
Piggy : "Even better mar like tat, coz since you no need to carry much cash, then you no need to shop so much, then you can save more lor"
Piggy : "With a credit card you wont know how much you using"
Fren : "No ler, I will surely know how much I spend one"
Piggy : "Ya, your card will have a voice recording that will say "You have used RM200 so far, advised to stop spending" like tat ar ?"
Fren : "..."

Piggy just dont agree to get a credit card if your finances is not "worthy" (hmm is this the word i wanto use ? lol nvm nvm :P), and banks this days offer those 2 year monthly fees to be waived. After using the card for 2 years and accumulating those points, the human greed will kicks in and refuse the rational mind to just cancel off the card. Why not canceling the card you ask ? Becoz when the Human greed see the many points he/she has, they will surely YEARN for more points so that they can get the most expensive item, isnt it so ?

Nah... dont agree with it, ever since Piggy learned that Banks are legalized loan sharks that are here to siphon our money out and not help us at all (-_-") grrrrr

Later in the day.... over yahoo messenger again..

Piggy : "NO TO CREDIT CARDS !!! NO TO CREDIT CARDS !!!"
Fren : "Yes to Credit cards ! yes to credit cards"
Piggy : "Heh , but today the government say is planning to increase the standard requirements to get a credit card wor... must have monthly salary of RM3500 then only can get, HOHOHOHO kikikiki :P :P :P"
Fren : "..... errr ...."
Piggy : "HOhohoho Kikikiki Hohoho ROFL ROFL"
Fren : "Nevermind !! I can get Supplementary Card !! HOHOHO :P :P :P"
Piggy : "..... wah lao... (-_-") ... "