haha, it is indeed tough when there are so many shopping and food temptations around.
What I do was to carry only the most essential cards, and only use them on big ticket purchases, or where there is really a lucrative discount. Otherwise everything else is either cash or nets.
Posb I think they call it the Daily card or something... not sure. I didn't sign up for this but I heard its good if you shop at carrefour regularly. Citibank's
Clear Card - for clubbers and gourmet lovers
Dividend Card - one of the best I think, cause of the cashback
I have one amex on standby for travelling in case the countries I go have problem with masters or visa. (btw, good to have one of each.)
Avoid carrying too many cards - I use to carry about 6 to 7 till I had this nightmare on losing my wallet. not funny at all loh, the panic and sometimes customer service line have difficulty connecting. better to limit to just 2 - 3 of the cards you use frequently.
i pay off my credit card expenses as i spend.. i treat it as a debit facility.. cos i hate the delay in bill coming & affecting my overall cashflow and lulled into a false sense of security.
use standchart for wedding expenses. $300 rebate off every 6k spending for the quarter.
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What I do was to carry only the most essential cards, and only use them on big ticket purchases, or where there is really a lucrative discount. Otherwise everything else is either cash or nets.
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yes, i should use the cc only for big ticket items... but its such a waste to let the small items off right... =P
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DBS Black Card - depending on your income limit.
Posb I think they call it the Daily card or something... not sure. I didn't sign up for this but I heard its good if you shop at carrefour regularly.
Citibank's
Clear Card - for clubbers and gourmet lovers
Dividend Card - one of the best I think, cause of the cashback
I have one amex on standby for travelling in case the countries I go have problem with masters or visa. (btw, good to have one of each.)
Avoid carrying too many cards - I use to carry about 6 to 7 till I had this nightmare on losing my wallet. not funny at all loh, the panic and sometimes customer service line have difficulty connecting. better to limit to just 2 - 3 of the cards you use frequently.
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use standchart for wedding expenses. $300 rebate off every 6k spending for the quarter.
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Points are good, Joyce. Just don't overspend can liao.
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citibank's clear card--
http://www.citibank.com.sg/SGGCB/APPS/portal/loadPage.do?tabId=Credit%20Cards&path=/prod/det/cc_xx_clr_card.htm
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