AEIOUComicEp8-220515

EPISODE 8

credit cards

Proudly Presented By Produced By
Alliance Bank Malaysia Berhad (88103-W)

THERE’S SALES EVERYWHERE!

AT THE SHOPPING MALL HAVE YOU GOT ALL
THE ITEMS ON
SH-OSP-HPPI-RAINTTNGETXLITSBTOOK
YOUR SHOPPING LIST?
YES! WE ARE DONE.
LET’S GO TO THE RM 1,000.00,
CASHIER. PLEASE.

PLEASE USE CASHIER
THIS CARD.
DID YOU NOTICE
THE LADY GIVING
HER CARD TO THE CASHIER
AND LEAVING WITH ALL
HER PURCHASES?!

HEY KIDS! YES! HOW I WISH
HOW ARE YOU? I CAN HAVE THOSE CARDS

TO BUY ALL
THE THINGS I WANT.

HI! MR. OSMAN!
YOU’RE HERE TOO!

YES! ITEMS SOLD HERE
ARE CHEAP DURING
SALES.

AGREE! WE COMPARED MR. OSMAN, WE JUST SAW
THE PRICES AND BOUGHT WHAT A LADY PAYING FOR HER GOODS

WE NEEDED AT THE LOWEST USING SOME KIND OF
PRICE. A PLASTIC CARD.

OH! DID YOU MEAN HOW DO WE GET ONE FOR OURSELVES
A “CREDIT CARD”? SO THAT WE CAN BUY ALL THE THINGS

THAT WE WANT!

?? OKAY. LET ME EXPLAIN TO YOU HOW CREDIT
CARDS ACTUALLY WORK.
YES, TELL US HOW
TO GET THESE

“CREDIT CARDS”!

OH? YOU MEAN WE USING A “CREDIT CARD” IS LIKE GETTING A LOAN. EVERYTIME
NEED TO PAY IT BACK YOU BUY SOMETHING WITH IT, YOU’RE BORROWING MONEY
UNTIL YOU PAY IT BACK LATER.
EVENTUALLY? PAY BACK

ITEMS

LENDING MONEY

OF COURSE! IT’S NOT FREE
MONEY. IN RETURN, THE CREDIT
CARD COMPANY WILL CHARGE

INTEREST TO YOUR ACCOUNT
IF YOU DON’T PAY BACK ON
TIME.
REALLY??

SO, WHY DO WE NEED A CREDIT CARD IS
CREDIT CARD? ACTUALLY A USEFUL TOOL
IF YOU USE IT PROPERLY.
IT SAVES YOU TIME AND TROUBLE.
YOU WILL HAVE INSTANT CASH IN

YOUR HAND WHEN YOU
NEED IT.

A CREDIT CARD IS ALSO A SAFE WAY

TO PURCHASE THINGS. AS YOU WILL NOT

HAVE TO CARRY HUGE

AMOUNTS OF CASH WHEN YOU

PAY FOR SOMETHING

EXPENSIVE. $ $

IN AN EMERGENCY, YOU WILL BE ABLE TO BORROW
MONEY TO MAKE YOUR PAYMENTS.

THAT SEEMS VERY BUT BECAUSE
USEFUL. OF THIS, MANY PEOPLE
CAN’T RESIST THE TEMPTATION
AND MISUSE THE CREDIT CARD.
LET ME SHARE WITH YOU

A STORY.

OKAY!

THIS IS BLUE (LEFT) AND RED (RIGHT) RED USED HER CREDIT CARD
TO SHOP FOR THINGS SHE
BLUE USED HER CREDIT CARD WANTED.
TO BUY GROCERIES.

GROCERY BRABNADGED

BLUE CREATED A LIST OF THINGS TO BUY. SHE AT FIRST, RED FELT HAPPY AS SHE GOT
MADE SURE THAT THE AMOUNT SPENT ON HER EVERYTHING THAT SHE WANTED.
CREDIT CARD DID NOT EXCEED HER
BUDGET.

WEEKLY BUDGET...

GROCERIES RM 50

FOOD RM 50

PETROL RM 60

POCKET MONEY RM 10

WELL WITHIN THE
BUDGET!

AT THE END OF THE MONTH, BLUE ALWAYS LITTLE DID RED KNOW THAT HER CREDIT CARD
REMEMBERED TO PAY HER CREDIT CARD BILLS. DEBT BEGAN TO BUILD UP. SHE WAS SHOCKED AT
THE AMOUNT THAT SHE OWED
IT IS ALL WITHIN WHEN THE CREDIT CARD BILL
MY BUDGET. ARRIVED.

CREDIT CARD HOW DID I MANAGE TO
PAYMENT USE SO MUCH MONEY?

BLUE ENJOYED ALL THE BENEFITS THAT THE RED STRUGGLED TO PAY
CREDIT CARD OFFERED. HER CREDIT CARD DEBT.

WOW!
WE SHOULD REALLY BE
CAREFUL WHEN USING
CREDIT CARDS.
YES, IT IS VERY EASY FOR

US TO OVERSPEND BECAUSE YOU

CANNOT SEE THE ACTUAL MONEY

BEING SPENT. .

ALWAYS PLAN BEFORE YOU
SPEND!

A CREDIT CARD IS A POWERFUL TOOL.
YOU WILL NEED TO LEARN HOW TO USE IT
PROPERLY AND RESPONSIBLY.
PRACTICE THE SMART MONEY HABITS
AND YOU WILL BE ABLE TO MANAGE
YOUR MONEY WISELY!

Disclaimer: Alliance Islamic Bank does not have Credit Card products.
The images contained herein are for illustration purposes only.