Steps to Select the Most Suitable Credit Cards for Your Lifestyle
Steps to Select the Most Suitable Credit Cards for Your Lifestyle
Blog Article
Steps to Select the Most Suitable Credit Cards for Your Lifestyle
Understanding the credit card rewards options can be confusing with so many choices available, each offering different miles, cashback, and bonuses. We have streamlined the process to assist you in beginning in less than 5 minutes, with continuous monitoring so that you are always informed if there are improved choices for you.
**Evaluating Your Spending Habits**
The first step is to analyze your monthly expenses across different categories such as:
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- Online
- Tap-and-go
- Restaurant spending
- Overseas spending
- Miscellaneous expenses
This information helps us better understand your spending patterns and identify the most suitable group of credit cards based on your spend.
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**Tailored Credit Card Recommendations**
Next, our artificial intelligence system compares your spending patterns with our repository of credit cards to evaluate the potential rewards you could earn from various credit cards, considering factors like incentive percentages, caps, and exclusions.
We keep a current repository of credit card offers from all major banks and financial institutions in Singapore, including reward and discount cards as well as Welcome Incentives.
We also provide options for further optimization such as only looking at cards from specific banks or fee-waived cards initially.
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**Continuous Monitoring and Recommendations**
Since card benefits can change over time, our platform keeps track of its recommendations based on your usage patterns and notifies you of changes to your selection to boost your benefit accrual. This proactive method ensures you always have the best credit card portfolio to maximize your rewards and benefits.
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