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Old 12-17-2007, 08:55 AM
fikrifadzil fikrifadzil is offline
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Join Date: Dec 2007
Location: Malaysia
Posts: 9
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I don't have it! I'm god in planning budget. so, i don't think it is needed and i don't have a strong reason to have it.

By having a credit card, you're actually playing with the negative number and this dangerous unless you could pay back early!
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