Student's Credit Card Dilemma

I read a column in the Bizweek section of the Star newspaper this morning and came across the issue on pre-paid credit cards. Apparently, there are so many hidden charges that most of the consumers unaware of. That includes activation charges that can go up to RM25.00, inactive card charges (this one is teribbly wrong) and some other silly excuses for the bank to charge you.

Therefore i would suggest for students to opt for Student's Credit Card facilities that are offered by some of the popular banks in town. Nevertheless, parents are still required to endorse the application.

Why do i write about credit cards? Because i was thinking that i probably can write on how to manage your credit card debt in the coming future. I surely have many experience on this one.

.n.g.

Comments

Post a Comment

Popular posts from this blog

Time to Change

Image
It is sickening everytime when i think about how i am being underpaid by my employer. the fact that there are less than 3 companies in Malaysia that can do what we can do today. still, we are paid just like any other IT company. heck! we are working with radar systems, electronic warfare and such. the cost of each of the equipment is mindboggling but the company treat us as if we are installing desktop computers and servers. It is not just about the amount of work that we give, but it is more about the expertise, knowledge and experience we have. this 3 elements can be easily exported to the competitor (by the means of hiring us with tripple pay!). Our bosses just dont realise this, until one day we would say "au revoir!" and they would say something like "oh, we just eat our own shit! the competitor can do what we always do!". just wait and see ... the pictures below say everything. ordinary company just don't do this. .n.g.
Read more

Is there a Theory of Everything? by Dr Michio Kaku

Image
i came across this article from Dr Michio Kaku, a reknown physicist. i've read a lot of journals, watched so many Discovery Channels and National Geographics programmes on the Theory of Everything, yet i still have not come across a good article to explain it all from A to Z. even wikipedia is not so convincing this time (wikipedia has been my favourite on other topics). i hope this blog eventually can shed some lights on this theory as i gather more articles and journals. for a start, let's read this article from Dr Michio Kaku. Dr. Michio Kaku, Professor of Theoretical Physics at the City University of New York, is the author of VISIONS: HOW SCIENCE WILL REVOLUTIONIZE THE 21ST CENTURY and the best-seller HYPERSPACE. [begin of article] When I was a child, I used to visit the Japanese Tea Garden in San Francisco. I would spend hours fascinated by the carp, who lived in a very shallow pond just inches beneath the lily pads, just beneath my fingers, totally o blivious to t...
Read more

Yellow

Image
Colours give me different vibes. Today i choose YELLOW. First thing in my mind, yellow reminds me of DIGI Yellow Man. OK, i have to admit that they had successfully tagged yellow with their products into our mind. But digging further inside me, the song "Yellow" by Coldplay struck into me. I somehow rather clueless about the meaning of the lyrics. Nevertheless, i sang this song to my sons when they were babies. (oh they both had "yellow" @ jaundice). And what so meaningful yesterday, i could play the song again in my car .. thank goodness!! Feel like i've told this story to someone before ... DE JAVU !! hehe ... By the way, Chris Martin (of Coldplay) explained that he was inspired by Yellow Pages. I can understand why .. hehe. If you've been to Eiffel Tower, then you probably have seen the stairs above. Yellow, Lyrics and Song by Coldplay. Enjoy!! .n.g. Look at the stars, Look how they shine for you, And everything you do, Yeah, they were all...
Read more