All you need to know about credit cards!<\/h2>
Why Fresh Graduates Should Consider a Credit Card?<\/a><\/li>
Credit Cards vs. Debit Cards<\/a><\/li>
Types of Credit Cards<\/a><\/li>
Steps to Secure Your First Credit Card<\/a><\/li>
Any Documents Needed?<\/a><\/li>
The Best Credit Cards for YOU<\/a><\/li>
How Long Is the Credit Card Application Process?<\/a><\/li>
Credit Card Hacks for New Grads <\/a><\/li><\/ul><\/div>\n\n\n\n
\n\n\n\n
<\/a>Why Fresh Graduates Should Consider a Credit Card?<\/strong><\/strong><\/h2>\n\n\n\nDo you dream of landing your first job<\/a>, building a financial safety net<\/a>, or securing that perfect apartment<\/a>?<\/p>\n\n\n
\n
$\"best$ <\/figure>\n<\/div>\n\n\n
Using a credit card responsibly can be your key to unlocking these goals<\/strong>.<\/p>\n\n\n\n
It helps you build credit history<\/strong>, which lenders use as a financial report card to decide on loan approvals, interest rates, and credit limits.<\/p>\n\n\n\n
Having a good credit score makes getting a loan approval<\/a> much more easier<\/strong>.<\/p>\n\n\n\n
Credit Cards vs. Debit Cards<\/strong><\/h2>\n\n\n\n
While credit and debit cards offer similar convenience, they work very differently<\/strong>.<\/p>\n\n\n
\n
$\"best$ <\/figure>\n<\/div>\n\n\n
So, what’s the difference between credit cards and debit cards?<\/p>\n\n\n\n
\n
Debit cards:<\/strong> Allow you to spend only the funds<\/strong> in your bank account.<\/li>\n\n\n\n
Credit cards<\/strong>: Extend a line of credit, allowing you to borrow money up to a set limit<\/strong>. <\/li>\n<\/ul>\n\n\n\n
Responsible credit card usage can establish your creditworthiness, while mismanagement can lead to debt accumulation.<\/p>\n\n\n\n
<\/a>Types of Credit Cards<\/strong><\/h2>\n\n\n\n
Tell me… how many credit cards are there?<\/strong>  Two or three or more?<\/p>\n\n\n\n
In Malaysia, the answer is: plenty!<\/strong> Each type caters to different financial needs and goals.  <\/p>\n\n\n
\n
$\"best$ <\/figure>\n<\/div>\n\n\n
Here’s a breakdown of some standard options to help you pick the perfect card for your fresh grad life: <\/p>\n\n\n\n
Types<\/strong><\/td> How it works?<\/strong><\/td><\/tr>
Cashback<\/strong><\/td> •<\/strong> Rewards you with a percentage of spending back in cash<\/strong>.
•<\/strong> Great way to save on everyday purchases <\/strong>like groceries, dining and petrol.<\/td><\/tr>
Points<\/strong> <\/td> •<\/strong> Give you points for every swipe<\/strong>.
•<\/strong> Rack up points and redeem them for exciting options like merchandise, travel vouchers, or even e-wallet reload pins.<\/td><\/tr>
Travel <\/strong><\/td> Offer<\/strong> perks<\/strong> like:
•<\/strong> Travel insurance
•<\/strong> Airport lounge access
•<\/strong> Air miles for flights or upgrades<\/td><\/tr>
Premium Rewards<\/strong><\/td> •<\/strong> High annual fees unlock exclusive benefits<\/strong>.
•<\/strong> For example, concierge services, luxury hotel stays, and top-tier rewards programs.<\/td><\/tr>
Balance Transfer<\/strong><\/td> •<\/strong> Offer a lower interest rate<\/strong> for a set period.
•<\/strong> Helping you consolidate and pay off debt faster.<\/td><\/tr>
Low Interest Rate<\/strong><\/td> •<\/strong> Save money by minimizing interest charges<\/strong>.<\/td><\/tr>
Business<\/strong><\/td> Designed for entrepreneurs<\/strong> and offer features like:
•<\/strong> Expenses tracking
•<\/strong> Higher credit limit
•<\/strong> Rewards geared towards business spending<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
<\/a>Steps to Secure Your First Credit Card<\/strong><\/h2>\n\n\n\n
Getting your first credit card is an exciting step towards financial independence!  <\/p>\n\n\n\n
But before you jump in, some strategic planning can ensure a smooth journey<\/strong>.  <\/p>\n\n\n
\n
$\"best$ <\/figure>\n<\/div>\n\n\n
Here’s a three-step<\/strong> roadmap<\/strong> to navigate the credit card world as a fresh grad: <\/p>\n\n\n\n
1. Think of your credit score as your financial report card<\/strong><\/h3>\n\n\n\nWhile you might not have a long history yet, checking your score (using tools like CTOS or CCRIS<\/strong><\/a>) gives you valuable insights into your creditworthiness. <\/p>\n\n\n\n
2. Apply however you feel most comfortable!<\/strong> <\/h3>\n\n\n\n
Banks offer online applications, in-branch consultations for face-to-face guidance, or even roadshows with enticing sign-up bonuses. <\/p>\n\n\n\n
3. Gather Your Documents<\/strong><\/h3>\n\n\n\n
The documents you need will depend on your employment status<\/strong> (employee, government worker, self-employed).<\/p>\n\n\n\n
Be prepared<\/strong> to provide the necessary paperwork to ensure a seamless application process.<\/a><\/strong><\/p>\n\n\n\n
Any Documents Needed?<\/strong><\/h2>\n\n\n
\n
$\"best$ <\/figure>\n<\/div>\n\n\n
Applying for a credit card requires some documents<\/strong>. <\/p>\n\n\n\n
Don’t worry, I can help you understand what you must prepare!<\/p>\n\n\n\n
Here’s the checklist for you:<\/strong><\/p>\n\n\n\n
No.<\/strong><\/td> Documents<\/strong><\/td> ✔\/✘<\/td><\/tr>
1<\/td> National Identification Documents<\/strong>
•<\/strong> A photocopy of National Identity Card (NRIC)<\/td> <\/td><\/tr>
2<\/td> Proof of Income<\/strong>
•<\/strong> Salary slips
•<\/strong> EPF statements
•<\/strong> Income tax returns
•<\/strong> Business registration forms (Required for Self-employed)
•<\/strong> Financial statements (Required for Self-employed)<\/td> <\/td><\/tr>
3<\/td> Proof of Residence<\/strong>
•<\/strong> Utility bill
•<\/strong> Rental agreement
•<\/strong> Any other documents to prove your residential address<\/td> <\/td><\/tr>
4<\/td> Employment Verification<\/strong>
•<\/strong> Employment letter that include employment details (e.g. position and income)<\/td> <\/td><\/tr>
5<\/td> Bank Statements<\/strong><\/td> <\/td><\/tr><\/tbody><\/table>
Remember, additional documents might be required depending on the bank and the specific card you’re applying for. <\/figcaption><\/figure>\n\n\n\n
Top Tips:<\/strong> <\/h3>\n\n\n\n
\n
Always check the specific requirements<\/strong> of the bank you’re targeting. <\/li>\n\n\n\n
Ensure all documents are accurate<\/strong>, up-to-date<\/strong>, and photocopied<\/strong> before submitting your application.<\/li>\n<\/ol>\n\n\n\n
Having everything prepped can significantly speed up the approval process, getting you closer to your first credit card in no time! <\/p>\n\n\n\n
<\/a>The Best Credit Cards for YOU<\/strong><\/h2>\n\n\n\n
Malaysia’s credit card scene is rich, offering options specifically designed for fresh grads like you!  <\/p>\n\n\n\n
But with so many choices, how do you pick the perfect one?  <\/strong><\/p>\n\n\n\n
Fear not, for we’ve compiled some top credit card choices<\/strong> to kickstart your financial journey: <\/p>\n\n\n\n
Credit Card<\/strong><\/td> Minimum<\/strong> Annual Income (p.a)<\/strong><\/td> Annual Fee<\/strong><\/td> Benefits<\/strong><\/td><\/tr>
Maybank 2 Cards Premier<\/a><\/td> RM24,000<\/td> RM191.00 (waived for 1st year)<\/td> – Up to 5% cashback<\/strong> on selected categories.
– rewards points
– access to exclusive offers.<\/td><\/tr>
Citi Cash Back Card<\/a><\/td> RM24,000<\/td> RM120.00 (waived for 1st year)<\/td> – 5% cashback <\/strong>on dining, groceries, and petrol.
– easy to manage expenses.<\/td><\/tr>
RHB Cash Back Credit Card<\/a><\/td> RM24,000<\/td> RM70.00 (waived for 1st year)<\/td> – Up to 10% cashback<\/strong> on all spending.
– Fees will be waived subject to minimum RM10,000 spends per year<\/td><\/tr>
Public Bank Quantum Visa<\/a><\/td> RM24,000<\/td> RM8.00 (waived for 1st year)<\/td> – Easy rewards accumulation
– Up to 2% cashback<\/strong> on all spending.<\/td><\/tr>
HSBC Visa Platinum Credit Card<\/a><\/td> RM36,000<\/td> RM240.00 (waived for 1st year)<\/td> – 8x Reward Points<\/strong> on Contactless spend
– 5x Reward Points<\/strong> on Online, Groceries and Overseas spend
-Enjoy 25% off green fees <\/strong>at 46 golf clubs and golf lessons at 1 participating golf academy in Singapore<\/td><\/tr>
Standard Chartered JustOne Platinum<\/a><\/td> RM36,000<\/td> RM250.00 (waived for 1st year)<\/td> – 15% cashback <\/strong>on all spending
– fast approval<\/td><\/tr>
CIMB Classic Credit Card<\/td> RM24,000<\/td> RM8.00 (waived for 1st year)<\/td> – 0.5% cashback<\/strong> on all spending.
– discounts on dining and online shopping.<\/td><\/tr>
Alliance Bank Smart Visa<\/td> RM24,000<\/td> RM100.00 (waived for 1st year)<\/td> – 1% cashback<\/strong> on all spending.
– earn rewards, and access to promotions.<\/td><\/tr>
UOB YOLO Credit Card<\/td> RM24,000<\/td> RM138.00 (waived for 1st year)<\/td> – 5% cashback <\/strong>on dining, entertainment, and travel.<\/td><\/tr><\/tbody><\/table>
Please note that the benefits associated with the credit cards mentioned are subject to change over time<\/strong>.<\/em><\/figcaption><\/figure>\n\n\n\n
<\/a>How Long Is the Credit Card Application Process?<\/strong><\/h2>\n\n\n\n
So, you’ve picked your perfect Malaysian credit card – congrats!  <\/p>\n\n\n\n
Now you’re itching to start swiping, but how long does it take to get your card in hand<\/strong>? <\/p>\n\n\n\n
\n
I applied online and within two days<\/strong> the bank called to chat. By the end of the week, they were giving me the thumbs up – my new card was on its way! Talk about fast and efficient<\/strong>.<\/em><\/p>\n<\/blockquote>\n\n\n
\n
$\"best$ <\/figure>\n<\/div>\n\n\n
But… it depends. The wait is usually a few weeks<\/strong>. Here’s a sneak peek at the process: <\/p>\n\n\n\n
\n
Apply Anywhere (1 Day):<\/strong> Submit your application online or visit a branch – it’s your call! <\/li>\n\n\n\n
Doc Check (Up to 1 Week):<\/strong> The bank reviews your ID, income proof, and other details to make sure everything’s legit. <\/li>\n\n\n\n
Credit Check (A Few Days):<\/strong> They take a peek at your credit history to see if you’re a responsible borrower. <\/li>\n\n\n\n
Approval Decision (Variable):<\/strong> The bank makes the final call – hopefully a big “YES!” <\/li>\n\n\n\n
Card on its Way (1-2 Weeks):<\/strong> Once approved, your card gets printed and mailed to you.  <\/li>\n<\/ul>\n\n\n\n
Remember:<\/strong> This timeframe varies per bank but stay organized with your documents for a smoother process!  <\/p>\n\n\n\n
<\/a>Credit Card Hacks for New Grads<\/strong> <\/strong><\/h2>\n\n\n\n
Do you have any preferred credit card in your mind? Or you already applied?  <\/p>\n\n\n\n
While waiting for ‘Abang’ to send the card to you, let’s get some insight from the recent fresh graduates<\/strong> who successfully applied for their first credit card<\/strong>. <\/p>\n\n\n\n
1. Understand your spending budget<\/strong> <\/h3>\n\n\n
\n
$\"best$ <\/figure>\n<\/div>\n\n\n
Remember, this is credit card not debit card, you’re pre-spending…  <\/p>\n\n\n\n
\n
We all know that feeling: ‘Aiya, I won’t spend that much!’ But slowly, the spending adds up and becomes overwhelming by the end of the month<\/strong>. To avoid this, what I do is (1) set a budget that works for you<\/strong><\/mark>, not that crazy limit they offer<\/mark> (2) track every single purchase (3) stick to your budget<\/strong><\/mark>! <\/em><\/p>\nMJ, 24, Video Editor<\/cite><\/blockquote>\n\n\n\n
Plus, don’t get stuck with cashback and point rewards<\/strong>, if not you will be like her… <\/p>\n\n\n\n
\n
I got hooked on the cashback rewards <\/strong>and suddenly everything feels like on sale<\/strong>. I just swipe, swipe, swipe… then bam! Until I realized I was spending too much money. Seriously, those cashbacks can be a real trap<\/mark><\/strong>. Don’t let them trick you into spending more than you have. <\/em><\/p>\nYee, 23, Graphic Designer<\/cite><\/blockquote>\n\n\n\n
Don’t get lured into that sweet trap and get sticky with rewards. It’ll be a pain to get rid of them. <\/p>\n\n\n\n
So, remember to plan your budget before you use your card<\/strong>! <\/p>\n\n\n
\n
$\"best$ <\/figure>\n<\/div>\n\n\n
<\/p>\n\n\n\n
2. Pay your bills on time<\/strong> <\/h3>\n\n\n\n
\n
I once forgot to pay my credit card bill, resulting in finance charges and late payment fees<\/strong>. The amount was shocking, as it was calculated daily<\/strong>.<\/mark> I was terrified and rushed to pay it off. <\/em><\/p>\nAlicia, 22, Business Admin<\/cite><\/blockquote>\n\n\n\n
Seriously, late payments can hurt your credit score<\/strong> big time. But not only this… <\/p>\n\n\n\n
3. Don’t apply too many cards<\/strong> <\/h3>\n\n\n\n
Too many credit card applications can harm your credit score, so let’s focus on one first<\/strong>! <\/p>\n\n\n\n
\n
Don’t rush to get every new credit card! Instead, choose one card and focus on using it responsibly<\/mark><\/strong>. Pay your bills on time each month, and you’ll build a solid relationship with the bank. They’ll see you’re a trustworthy customer<\/strong>, and eventually, they might offer you even better cards<\/strong> with great perks! <\/em><\/p>\n<\/blockquote>\n\n\n\n
Applying for credit cards isn’t like applying for jobs—you don’t need to send out multiple applications at once<\/strong>. <\/p>\n\n\n
\n
$\"best$ <\/figure>\n<\/div>\n\n\n
One last thing, don’t share your credit card details with anyone and be aware of SCAM!<\/strong><\/p>\n\n\n\n
\n\n\n\n
Looking for a fulfilling career beyond finance? <\/mark><\/strong><\/p>\n\n\n\n
Explore IQI Real Estate Negotiator (REN)! Be your own boss, set your own hours!<\/mark><\/strong><\/p>\n\n\n\n
Enquire today and start your journey!<\/mark><\/strong><\/p>\n\n\n\n
\n\t\t\t\t\t\t

Types<\/strong><\/td>	How it works?<\/strong><\/td><\/tr>
Cashback<\/strong><\/td>	•<\/strong> Rewards you with a percentage of spending back in cash<\/strong>. •<\/strong> Great way to save on everyday purchases <\/strong>like groceries, dining and petrol.<\/td><\/tr>
Points<\/strong> <\/td>	•<\/strong> Give you points for every swipe<\/strong>. •<\/strong> Rack up points and redeem them for exciting options like merchandise, travel vouchers, or even e-wallet reload pins.<\/td><\/tr>
Travel <\/strong><\/td>	Offer<\/strong> perks<\/strong> like: •<\/strong> Travel insurance •<\/strong> Airport lounge access •<\/strong> Air miles for flights or upgrades<\/td><\/tr>
Premium Rewards<\/strong><\/td>	•<\/strong> High annual fees unlock exclusive benefits<\/strong>. •<\/strong> For example, concierge services, luxury hotel stays, and top-tier rewards programs.<\/td><\/tr>
Balance Transfer<\/strong><\/td>	•<\/strong> Offer a lower interest rate<\/strong> for a set period. •<\/strong> Helping you consolidate and pay off debt faster.<\/td><\/tr>
Low Interest Rate<\/strong><\/td>	•<\/strong> Save money by minimizing interest charges<\/strong>.<\/td><\/tr>
Business<\/strong><\/td>	Designed for entrepreneurs<\/strong> and offer features like: •<\/strong> Expenses tracking •<\/strong> Higher credit limit •<\/strong> Rewards geared towards business spending<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n <\/a>Steps to Secure Your First Credit Card<\/strong><\/h2>\n\n\n\n Getting your first credit card is an exciting step towards financial independence! <\/p>\n\n\n\n But before you jump in, some strategic planning can ensure a smooth journey<\/strong>. <\/p>\n\n\n \n $\"best$ <\/figure>\n<\/div>\n\n\n Here’s a three-step<\/strong> roadmap<\/strong> to navigate the credit card world as a fresh grad: <\/p>\n\n\n\n 1. Think of your credit score as your financial report card<\/strong><\/h3>\n\n\n\nWhile you might not have a long history yet, checking your score (using tools like CTOS or CCRIS<\/strong><\/a>) gives you valuable insights into your creditworthiness. <\/p>\n\n\n\n 2. Apply however you feel most comfortable!<\/strong> <\/h3>\n\n\n\n Banks offer online applications, in-branch consultations for face-to-face guidance, or even roadshows with enticing sign-up bonuses. <\/p>\n\n\n\n 3. Gather Your Documents<\/strong><\/h3>\n\n\n\n The documents you need will depend on your employment status<\/strong> (employee, government worker, self-employed).<\/p>\n\n\n\n Be prepared<\/strong> to provide the necessary paperwork to ensure a seamless application process.<\/a><\/strong><\/p>\n\n\n\n Any Documents Needed?<\/strong><\/h2>\n\n\n \n $\"best$ <\/figure>\n<\/div>\n\n\n Applying for a credit card requires some documents<\/strong>. <\/p>\n\n\n\n Don’t worry, I can help you understand what you must prepare!<\/p>\n\n\n\n Here’s the checklist for you:<\/strong><\/p>\n\n\n\n No.<\/strong><\/td> Documents<\/strong><\/td> ✔\/✘<\/td><\/tr> 1<\/td> National Identification Documents<\/strong> •<\/strong> A photocopy of National Identity Card (NRIC)<\/td> <\/td><\/tr> 2<\/td> Proof of Income<\/strong> •<\/strong> Salary slips •<\/strong> EPF statements •<\/strong> Income tax returns •<\/strong> Business registration forms (Required for Self-employed) •<\/strong> Financial statements (Required for Self-employed)<\/td> <\/td><\/tr> 3<\/td> Proof of Residence<\/strong> •<\/strong> Utility bill •<\/strong> Rental agreement •<\/strong> Any other documents to prove your residential address<\/td> <\/td><\/tr> 4<\/td> Employment Verification<\/strong> •<\/strong> Employment letter that include employment details (e.g. position and income)<\/td> <\/td><\/tr> 5<\/td> Bank Statements<\/strong><\/td> <\/td><\/tr><\/tbody><\/table> Remember, additional documents might be required depending on the bank and the specific card you’re applying for. <\/figcaption><\/figure>\n\n\n\n Top Tips:<\/strong> <\/h3>\n\n\n\n \n Always check the specific requirements<\/strong> of the bank you’re targeting. <\/li>\n\n\n\n Ensure all documents are accurate<\/strong>, up-to-date<\/strong>, and photocopied<\/strong> before submitting your application.<\/li>\n<\/ol>\n\n\n\n Having everything prepped can significantly speed up the approval process, getting you closer to your first credit card in no time! <\/p>\n\n\n\n <\/a>The Best Credit Cards for YOU<\/strong><\/h2>\n\n\n\n Malaysia’s credit card scene is rich, offering options specifically designed for fresh grads like you! <\/p>\n\n\n\n But with so many choices, how do you pick the perfect one? <\/strong><\/p>\n\n\n\n Fear not, for we’ve compiled some top credit card choices<\/strong> to kickstart your financial journey: <\/p>\n\n\n\n Credit Card<\/strong><\/td> Minimum<\/strong> Annual Income (p.a)<\/strong><\/td> Annual Fee<\/strong><\/td> Benefits<\/strong><\/td><\/tr> Maybank 2 Cards Premier<\/a><\/td> RM24,000<\/td> RM191.00 (waived for 1st year)<\/td> – Up to 5% cashback<\/strong> on selected categories. – rewards points – access to exclusive offers.<\/td><\/tr> Citi Cash Back Card<\/a><\/td> RM24,000<\/td> RM120.00 (waived for 1st year)<\/td> – 5% cashback <\/strong>on dining, groceries, and petrol. – easy to manage expenses.<\/td><\/tr> RHB Cash Back Credit Card<\/a><\/td> RM24,000<\/td> RM70.00 (waived for 1st year)<\/td> – Up to 10% cashback<\/strong> on all spending. – Fees will be waived subject to minimum RM10,000 spends per year<\/td><\/tr> Public Bank Quantum Visa<\/a><\/td> RM24,000<\/td> RM8.00 (waived for 1st year)<\/td> – Easy rewards accumulation – Up to 2% cashback<\/strong> on all spending.<\/td><\/tr> HSBC Visa Platinum Credit Card<\/a><\/td> RM36,000<\/td> RM240.00 (waived for 1st year)<\/td> – 8x Reward Points<\/strong> on Contactless spend – 5x Reward Points<\/strong> on Online, Groceries and Overseas spend -Enjoy 25% off green fees <\/strong>at 46 golf clubs and golf lessons at 1 participating golf academy in Singapore<\/td><\/tr> Standard Chartered JustOne Platinum<\/a><\/td> RM36,000<\/td> RM250.00 (waived for 1st year)<\/td> – 15% cashback <\/strong>on all spending – fast approval<\/td><\/tr> CIMB Classic Credit Card<\/td> RM24,000<\/td> RM8.00 (waived for 1st year)<\/td> – 0.5% cashback<\/strong> on all spending. – discounts on dining and online shopping.<\/td><\/tr> Alliance Bank Smart Visa<\/td> RM24,000<\/td> RM100.00 (waived for 1st year)<\/td> – 1% cashback<\/strong> on all spending. – earn rewards, and access to promotions.<\/td><\/tr> UOB YOLO Credit Card<\/td> RM24,000<\/td> RM138.00 (waived for 1st year)<\/td> – 5% cashback <\/strong>on dining, entertainment, and travel.<\/td><\/tr><\/tbody><\/table> Please note that the benefits associated with the credit cards mentioned are subject to change over time<\/strong>.<\/em><\/figcaption><\/figure>\n\n\n\n <\/a>How Long Is the Credit Card Application Process?<\/strong><\/h2>\n\n\n\n So, you’ve picked your perfect Malaysian credit card – congrats! <\/p>\n\n\n\n Now you’re itching to start swiping, but how long does it take to get your card in hand<\/strong>? <\/p>\n\n\n\n \n I applied online and within two days<\/strong> the bank called to chat. By the end of the week, they were giving me the thumbs up – my new card was on its way! Talk about fast and efficient<\/strong>.<\/em><\/p>\n<\/blockquote>\n\n\n \n $\"best$ <\/figure>\n<\/div>\n\n\n But… it depends. The wait is usually a few weeks<\/strong>. Here’s a sneak peek at the process: <\/p>\n\n\n\n \n Apply Anywhere (1 Day):<\/strong> Submit your application online or visit a branch – it’s your call! <\/li>\n\n\n\n Doc Check (Up to 1 Week):<\/strong> The bank reviews your ID, income proof, and other details to make sure everything’s legit. <\/li>\n\n\n\n Credit Check (A Few Days):<\/strong> They take a peek at your credit history to see if you’re a responsible borrower. <\/li>\n\n\n\n Approval Decision (Variable):<\/strong> The bank makes the final call – hopefully a big “YES!” <\/li>\n\n\n\n Card on its Way (1-2 Weeks):<\/strong> Once approved, your card gets printed and mailed to you. <\/li>\n<\/ul>\n\n\n\n Remember:<\/strong> This timeframe varies per bank but stay organized with your documents for a smoother process! <\/p>\n\n\n\n <\/a>Credit Card Hacks for New Grads<\/strong> <\/strong><\/h2>\n\n\n\n Do you have any preferred credit card in your mind? Or you already applied? <\/p>\n\n\n\n While waiting for ‘Abang’ to send the card to you, let’s get some insight from the recent fresh graduates<\/strong> who successfully applied for their first credit card<\/strong>. <\/p>\n\n\n\n 1. Understand your spending budget<\/strong> <\/h3>\n\n\n \n $\"best$ <\/figure>\n<\/div>\n\n\n Remember, this is credit card not debit card, you’re pre-spending… <\/p>\n\n\n\n \n We all know that feeling: ‘Aiya, I won’t spend that much!’ But slowly, the spending adds up and becomes overwhelming by the end of the month<\/strong>. To avoid this, what I do is (1) set a budget that works for you<\/strong><\/mark>, not that crazy limit they offer<\/mark> (2) track every single purchase (3) stick to your budget<\/strong><\/mark>! <\/em><\/p>\nMJ, 24, Video Editor<\/cite><\/blockquote>\n\n\n\n Plus, don’t get stuck with cashback and point rewards<\/strong>, if not you will be like her… <\/p>\n\n\n\n \n I got hooked on the cashback rewards <\/strong>and suddenly everything feels like on sale<\/strong>. I just swipe, swipe, swipe… then bam! Until I realized I was spending too much money. Seriously, those cashbacks can be a real trap<\/mark><\/strong>. Don’t let them trick you into spending more than you have. <\/em><\/p>\nYee, 23, Graphic Designer<\/cite><\/blockquote>\n\n\n\n Don’t get lured into that sweet trap and get sticky with rewards. It’ll be a pain to get rid of them. <\/p>\n\n\n\n So, remember to plan your budget before you use your card<\/strong>! <\/p>\n\n\n \n $\"best$ <\/figure>\n<\/div>\n\n\n <\/p>\n\n\n\n 2. Pay your bills on time<\/strong> <\/h3>\n\n\n\n \n I once forgot to pay my credit card bill, resulting in finance charges and late payment fees<\/strong>. The amount was shocking, as it was calculated daily<\/strong>.<\/mark> I was terrified and rushed to pay it off. <\/em><\/p>\nAlicia, 22, Business Admin<\/cite><\/blockquote>\n\n\n\n Seriously, late payments can hurt your credit score<\/strong> big time. But not only this… <\/p>\n\n\n\n 3. Don’t apply too many cards<\/strong> <\/h3>\n\n\n\n Too many credit card applications can harm your credit score, so let’s focus on one first<\/strong>! <\/p>\n\n\n\n \n Don’t rush to get every new credit card! Instead, choose one card and focus on using it responsibly<\/mark><\/strong>. Pay your bills on time each month, and you’ll build a solid relationship with the bank. They’ll see you’re a trustworthy customer<\/strong>, and eventually, they might offer you even better cards<\/strong> with great perks! <\/em><\/p>\n<\/blockquote>\n\n\n\n Applying for credit cards isn’t like applying for jobs—you don’t need to send out multiple applications at once<\/strong>. <\/p>\n\n\n \n $\"best$ <\/figure>\n<\/div>\n\n\n One last thing, don’t share your credit card details with anyone and be aware of SCAM!<\/strong><\/p>\n\n\n\n \n\n\n\n Looking for a fulfilling career beyond finance? <\/mark><\/strong><\/p>\n\n\n\n Explore IQI Real Estate Negotiator (REN)! Be your own boss, set your own hours!<\/mark><\/strong><\/p>\n\n\n\n Enquire today and start your journey!<\/mark><\/strong><\/p>\n\n\n\n \n\t\t\t\t\t\t

Credit Cards vs. Debit Cards<\/strong><\/h2>\n\n\n\nWhile credit and debit cards offer similar convenience, they work very differently<\/strong>.<\/p>\n\n\n\n<\/figure>\n<\/div>\n\n\n So, what’s the difference between credit cards and debit cards?<\/p>\n\n\n\n