Are You Ready For A Credit Card?

CLEO (Malaysia) - - SMART REPORT -

Get­ting a credit card is tempt­ing — it’s a free pass to spend “fu­ture” money. At the same time, it also lets you en­joy dis­counts, cash re­bates, and re­demp­tions. You might not be ready to own one yet un­less you an­swer “yes” to all of the fol­low­ing ques­tions:


Do you have an in­come that will en­able you to pay off your bills ev­ery month?


Do you al­ways pay all your other bills on time?


Do you have enough sav­ings in your bank ac­count to last you at least three months of un­em­ploy­ment?

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