I just read a report by Nielsen Global Survey of Investment Attitudes, which found that two out of five Malaysians prefer to use credit card for payments like dining, entertainment and shopping. 

This was part of a survey conducted online where more than 28,000 people from 56 countries responded. 

Malaysia is considered a top ten country of savers, so I guess a high number of these credit card users are using their cards prudently. 

Personally, I prefer to use my credit card whenever I can do, to collect loyalty points, which I could then use to redeem items that I like. What about you?