Quote:
Originally Posted by fikrifadzil
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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I believe some day you will think credit card is important in your life. You just need to control how to use credit card. If you know it, its easy to for you.