Most people think of savings in the traditional way where you keep the leftover of what you have in your bank accounts after spending. But what if I tell you that you could actually save even when you're spending. Back in the 1950s, Diners club founder Frank Mcnamara first introduced a novel method of paying for purchases to merchants and you only have to pay back a couple of weeks later. He called it "deferred payments", which literally in today's world known as credit cards. The idea of credit cards is no longer a stranger to us. At first, the attraction comes from the idea that consumers can get to enjoy something first but pay the actual costs later when the amount is due. Sooner or later, the market becomes more saturated with competitions once everyone is offering the same perks so there are no differentiations. Today, there are increasing new number of product...