Wow.. everywhere I go, HSBC has a 10% discount!
Even to ulu [read: infamous outlets, you patronize it because of convenience] pubs & restaurants! So, that's another money saving scheme ya.
Oh ya, do not convert your ATM cards onto debit cards [visa/mastercard, wadever] don’t be fooled. You know the risk involved?! When people picked up your debit cards, they can immediately signed away heaps of cash from your bank account.
Unlike credit card, whereby they have a working agreement with merchants, unauthorized access of cards meant that transactions are void. Debit cards doesn’t give you this safeguard. Once the thief used it, the cash is immediately deducted from your bank account. Then you cry bow wow also no use. Neither the bank nor the merchant is held liable. Be a smart consumer!
Next goal: Learning the Keyboard.