Tips for Choosing the Most Suitable Credit Cards for Your Needs
Tips for Choosing the Most Suitable Credit Cards for Your Needs
Blog Article
Tips for Choosing the Most Suitable Credit Cards for Your Spending Habits
Understanding the credit card benefits options can be overwhelming with so many choices available, each offering different rewards, incentives, and perks. Our system simplifies the process to make it easier to start in less than 5 minutes, with perpetual monitoring so that you are always informed if there are better cards available for you.
**Evaluating Your Spending Habits**
The first step is to determine your monthly expenses across different categories such as:
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- Digital payments
- Contactless
- Food and beverage expenses
- Overseas spending
- General Spend
This information helps us gain insight into your spending patterns and determine the optimal collection of credit cards based on your spend.
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**Personalized Credit Card Recommendations**
Next, our automated tool compares your spending patterns with our database of credit cards to estimate the potential rewards you could earn from various credit cards, considering factors like incentive percentages, caps, and exclusions.
We maintain an updated database of credit card offers from all key financial players in Singapore, including air miles and rebate options as well as Sign-up Bonuses.
We also suggest options for further optimization such as only focusing on select bank offerings or no-fee options for the first year.
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**Continuous Monitoring and Recommendations**
Since credit card terms can change over time, our platform continuously updates its recommendations based on your usage patterns and notifies you of changes needed in your card portfolio to boost your benefit accrual. This proactive method ensures you always have the best credit card portfolio to achieve the highest returns.
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