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Anonymous
I'm wondering if its stressful to track credit spend each month + being prone to overspending!
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Just Being Ernest
05 Mar 2020
Content Creator at www.youtube.com/c/JustBeingErnest
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Pascal S
03 Mar 2020
MBA Graduate at Singapore Management University
Hi Anon,
Do start with a debit card for a year and learn to manage your expenses.
Cheers,
Pascal
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Pang Zhe Liang
02 Mar 2020
Fee-Based Financial Advisory Manager at Financial Alliance Pte Ltd (IFA Firm)
A debit card is a good start for most people. However, if you are into the rewards, e.g. cashback an...
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I also had the same thinking as you when i started working, get a debit card is good enough.
But after doing more research and studied about credit cards, I will definitely go for credit cards due to the rewards.
Of course rewards come with risks but the risks is very minimal if you manage your expenses properly.
You can read my blog about my findings on credit card here http://justbeingernest.blogspot.com/2017/05/rew...
Feel free to ask me any questions.
I make videos about interesting stuff at youtube here