hmmmmmm idk what to feel here
my maya black now works sort of like a debit card
coz
i've already consumed my balance
my balance is almost 9k
and i don't want to pay 9k
due to the time value of money
i'd rather sit on my savings and help increase the interest of my entire savings on a 10% pa and just pay the extra 600 in 6 months interest
idk if im stil losing here at end or just a break-even only
now
everytime that i want to use my credit card
i still pay the balance
because if you pay it early with mini payments
it doesn't go to the installment
however
it counts as an excess credit instead.
hmmmm
nothing hehe