I got a call from my bank a a few days ago informing me that they were having a promotional offer for a zero interest rate credit card, for the first RM24,000 spent on it. Initially, when I heard it was interest free, I stopped my self from saying no. I later changed my mind, here’s the reasons why.
An exercise to discipline yourself to avoid impulse buying. You have more options, when you have more money. That concept itself, should be appealing enough.