3
STPM
In terms of recognition, both are equally internationally recognised and many universities consider STPM equivalent to A-Level. However, STPM has a reputation for being tougher than A-Level.
No. U must take sat and act test in order to get in the door of harvard. Stpm is acceptable in harvard.
stpm
STPM is considered tough due to its rigorous syllabus and examination format. However, whether it is one of the world's hardest exams is subjective and may vary depending on individual perspectives.
as many times as they want/need to
There are many types of credit cards as per your requirements.
Matriculation or STPM with minimum of B in Mathematics, Chemistry and Physics /Biology
There are many places that lists many companies offering per-qualified credit cards with competitive interest rates. CreditCards.com is a great place to look for credit cards since they list many different kinds from different companies that offers per-qualified credit cards with competitive interest rates as well as credit cards for people who never had a credit card before and want to build their credit.
Credit cards are going to be used more and more in future shopping. Many places are not going to want to deal with cash.
you need to go to the nearest university and ask them, that's the most important requirements
In many cases, yes, it will hurt the business credit history due to you having bad personal credit history. Being a "silent" partner is the best option you have if you want to be involved in the business.