Credit/Debit cards

[PinKcHicK]

But if i dun even need to submit income tax annually, it's a forget-it-liao.

[who_noe]

i own 1...but dun really dare to use it...only use it once since i got it at may

[archenemy]

i have only 1...with a rather high credit limit...enough...

[Wildswans]

Huh.......Its good to use it to collate expenses then sometime got petrol discount also.....

[Wildswans]

Posb everyday card quite a lot of discount for daily expenses

[hydrop]

Posb everyday card quite a lot of discount for daily expenses

 

yeah, this one and the citibank dividend card can get quite alot of savings on daily expenses.

[who_noe]

Huh.......Its good to use it to collate expenses then sometime got petrol discount also.....

 

i scare i sign too much wait bill come i

[princessminn]

i only own one debit card.

ha.

seldom use.

usually use nets or cash.

=)

[who_noe]

i only own one debit card.

ha.

seldom use.

usually use nets or cash.

=)

 

debit card still ok cos direct take from ur accounts

 

anyway

[Throttle]

4 cards in total.

 

2 visas (One for my regular supermarket, petrol, regular spending and one for my handphone and overseas spending)

 

2 AMEX (One is a corporate card and one is my big-ticket item card)

 

All are free of membership fee. Always full settlement on time.

[Throttle]

What are the tricks people do to get annual fee waiver? Is it true that everytime u call to cancel the card, the bank will extend the free waiver?

 

No tricks required lah, if you spend quite a fair bit, they will know and they will be willing to give you card for free, year after year after year after year....

 

If not you keep cancelling card and reapplying to a different bank every year loh.....

 

The thing is if you need a credit card then get one and pay for it if necessary becos it gives you convenience. If not dont get one. simple, choice is yours.

[J73]

Having many credit cards doesn't mean anything... i tink it's enough to just

 

have one or two credit cards...... ultimately, the most important thing to

 

have is cold hard cash..... otherwise u just sign and sign bt can't pay up also

 

no point.....

 

tio liao lah ... nthing beats hving cold hard cash in the wallet ...

juz imagine buy bike can full-cash ...

[Wahoo]

uob-sp visa platinum(no annual fee), uob-ies visa gold (no annual fee), UOB visa-mini(no annual fee), Citi visa platinum (auto upgraded), citi master platimun (free issue)

 

most of time, i dun use them, only when got good discount at restaurent/shops. so far uob is quite good, so many places got discount.

 

nowadays banks anyhow issue platinum sia, i def dun have 60k income......

[Speedpass]

So far onli have Citibank Platinium card & Metro charge card .

 

Debit ones , onli POSB Debit , UOB Visa Mini .

[daojeff]

just have everyday card for all the cash rebates...

they rest use cash...

[jia_yvon]

alamak.. take credit card for wat.. in sg , use cash can liao wat.. use credit card for show off ar..? unless u always go overseas, u have to use credit card for convinience. if nto in sg use credit card for wat??? u will ended up with many credit urself

[Wildswans]

Different shops got different discount with different cards....

[daojeff]

ya... use the card only for things that have rebate... lol...

can use the rebates that you have to buy something you like...

[Wildswans]

Yah....

 

Some times got up to 30-40% discount...

[bigman_185]

What are the tricks people do to get annual fee waiver? Is it true that everytime u call to cancel the card, the bank will extend the free waiver?

 

 

I think most of the time they will just give a waiver. If not just cancel the card and apply another one.

[Wildswans]

Yah.....

 

Sometimes they would refuse then after 2 days call you to reactivate the card

[LaVsy]

Does Debit Card Count?

[Wildswans]

Some Debit card also have good offers

[Angry]

EZ Link card, cash card, library card and Installment card.....haha just kidding.

 

HSBC credit card offer double the benefits.

 

[J73]

alamak.. take credit card for wat.. in sg , use cash can liao wat.. use credit card for show off ar..? unless u always go overseas, u have to use credit card for convinience. if nto in sg use credit card for wat??? u will ended up with many credit urself

 

use credit card for show off ... tt's a gd 1 ... dunno tt credit card got tis xtra function ...