Hello Steemians, let's talk about Credit Card~
Do you own a credit card or a few? How do you choose your credit card? Is it a money saving tool for you?
I was having the thought that signing up a credit card is a big No No for financial management. Previously I signed up a few credit cards for the sake of helping the promoters and free gifts but I never use it. However, I changed my mind after reading tons of financial related books and open sharing with others. So I decided to get myself a credit card.
What are the things to look into for your FIRST ever credit card?
This link provides you a brief information on how to choose your credit card. I believe that users do not go deep enough to discover the credit cards features most of the time and users do not bother also. It's not surprised that if the buyer knows nothing about their cards, they normally get convinced and make decision on the spot during credit card promotion period at booth. However, to be a smart consumer, I strongly urge that we should survey and study about the product first before purchasing.
So yea, I studied a lot before I make a decision include insurance product, credit card or loan services which most of the buyers do not really know what they have bought too~
What's my major considerations for credit card selection?
- Zero Annual Fee for Lifetime
- Cash back without Minimum Monthly Spending Requirement
If you really look into a few cash back with zero annual fee credit cards, you will notice that most of the cashback feature is with minimum spending condition. (I do not prefer this because it makes me feel like being forced to spend money in order to get the cashback)
Overall, I think Maybank credit cards offer attractive features for example: Maybank Visa Signature, Maybank 2 Cards, Maybank Islamic Ikhwan American Express Platinum Card-i. You may compare and find the best fit for your lifestyle.
The reason I got myself Maybank 2 Cards because it is the best fit for my lifestyle which I can spend during weekend in order to get 5x treatpoints and 5% cashback in any category without minimum monthly spending requirement. It is also ranked as the number one credit card these days. So if you are looking for credit card, you may consider this.
Other than Maybank product, Citi Cash Back Card also provides very good features which includes 10% of cashback but with the condition RM10 maximum rebate per category.
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