2.1 CREDIT CARDS The Bank Negara Malaysia (BNM, n.d) explained that credit card as a card issued by a financial company giving the holder an option to borrow funds, usually at point of sale. Credit cards charge interest and are primarily used for short-term financing. Interest usually begins one month after a purchase is made and borrowing limits are pre-set according to the individual's credit rating. For many purpose, credit cards were chosen by a lot of people to make the purchases in their daily
than 70 countries that educate over 16 million students. In the high school, Radhwa International School offers an advanced preparatory education based on the American syllabus (the McGraw Hill) which includes English, Mathematics, Science, Social Studies, Computer Science, Art, Physical Education, Elective courses, and Community services
8.0 E-business (Internet and digital marketing) With the advancement of information and communication technology (ICT), there has been a rapid development of e-businesses (E-business refers to the mechanism of doing business electronically using the web or email) throughout the world since the turn of the new millennium. In fact, e-business has become a standard operation for a large volume of businesses throughout the world. Malaysia is not left behind in this technology chase and the number of