How to Choose the Most Suitable Credit Cards for Your Needs
How to Choose the Most Suitable Credit Cards for Your Needs
Blog Article
Steps to Select the Most Suitable Credit Cards for Your Spending Habits
Exploring the credit card benefits landscape can be daunting with so many selections available, each offering different miles, cashback, and bonuses. We've optimized the process to assist you in beginning in less than 5 minutes, with perpetual monitoring so that you are always aware if there are more suitable options for you.
**Understanding Your Spending Habits**
The first step is to analyze your monthly expenses across different categories such as:
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- Digital payments
- Wireless transactions
- Dining
- Overseas spending
- Other expenditures
This information helps us gain insight into your spending patterns and recommend the best set 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 repository of credit cards to calculate the potential rewards you could earn from various credit cards, considering factors like incentive percentages, caps, and exclusions.
We ensure our database is current of credit card offers from all major banks and financial institutions in Singapore, including air miles and rebate options as well as Welcome Incentives.
We also suggest options for further optimization such as only looking at cards from specific banks or fee-waived cards initially.
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**Ongoing Updates and Suggestions**
Since offers and conditions can change over time, our platform regularly refreshes its recommendations based on your expenses and notifies you of changes to your selection to enhance your rewards collection. This proactive method ensures you always have the optimal selection to maximize your rewards and benefits.
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