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 Best Credit Cards for Your Lifestyle
Exploring the credit card benefits arena can be confusing with so many alternatives available, each offering different offers, benefits, and advantages. Our system simplifies the process to make it easier to start in less than 5 minutes, with perpetual monitoring so that you are always kept updated if there are more suitable options for you.
**Understanding Your Spending Habits**
The first step is to determine your monthly expenses across different categories such as:
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- E-commerce
- Wireless transactions
- Food and beverage expenses
- Foreign Currency Spend
- Miscellaneous expenses
This information helps us gain insight into your spending patterns and recommend the optimal collection of credit cards based on your spend.
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**Custom 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 reward rates, caps, and exclusions.
We ensure our database is current of credit card offers from all key financial players in Singapore, including reward and discount cards as well as Welcome Incentives.
We also suggest options for further optimization such as only focusing on select bank offerings or cards with no required first-year annual fee.
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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 spending and alerts you of changes to your selection to maximize 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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