Credit Cards
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stay away from Skeujin!!
haha..
rainee..check out OCBC-NTUC and Robinsons card. If i dun remember wrongly, should be OCBC..
also.. HSBC offers The Choice Card for groceries shopping.. giant, guardian, the marketplace etc
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Get all . Dont use can liao .
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Eventually it comes down to what you want in a credit card. The best ones give you discounts and rebates in places you frequent + 1 or 3 year fee waiver.
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Originally posted by browniebaobao:
stay away from Skeujin!!
PIAK PIAK!
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Originally posted by skeujin:
credit cards r evil... stay away from them...!!!
I know...I used to have Amex card and it caused me to overspend during trips.
But now bo bian, certain things when I buy need me to use credit card...
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Originally posted by browniebaobao:
stay away from Skeujin!!
haha..
rainee..check out OCBC-NTUC and Robinsons card. If i dun remember wrongly, should be OCBC..
also.. HSBC offers The Choice Card for groceries shopping.. giant, guardian, the marketplace etc
Yea, OCBC has Robinsons card...but not sure whether it is suitable for me or not cos I dun go Robinsons that often...
Should say the place I buy things most often is in Fairprice haha...
Lolz I sound so auntie...
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Bloody hell.
Everybody seems to be earning 30K a year or more.
How come all so rich one?
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Originally posted by charlize:
Bloody hell.
Everybody seems to be earning 30K a year or more.
How come all so rich one?
It is normal wat...30k a year is considered little liaoz...
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Originally posted by rainee:
It is normal wat...30k a year is considered little liaoz...
You just graduated and already earning 30K a year?Must be high flier.
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Originally posted by charlize:
You just graduated and already earning 30K a year?Must be high flier.
Nope. graduated 2 years ago...
But yea, I think in my profession, a fresh graduate can get the same amount as me...
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Work 2 years, earn 30K a year.
Not bad.
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On a related note, I see some people working for 5 years and they are earning 60K a year.
Some people work for 10 years and they are earning 100K a year.
Damn, it's like a geometric progression all the way to the top.
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can go for uob hsbc and citi bahz..
shopping, eating etc...
hsbc n citi recognized worldwide..so good for trips
ocbc now picking up..can see more n more merchants having discount using this card.
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sorry click wrong button
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Hmm...so far shortlisted UOB card and also POSB everyday card...
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Originally posted by rainee:
Planning to get a credit card...which one is the best one in the market so far?
Earning around 30k a year, so can't afford any Platinum card...
since gal sure take uob ladies.... platinum can la... depends on diff cc company criteria... get posb everyday for daily stuffs...... -
Ask what is the annual subscription fee. That is something you don't like to pay. And annually you will be asking for a waiver. Until one day, they will respect your wishes. Then you apply for another one again.
POSB cc first three years free, then $18 per annum, I think, is cheap.
NTUC-OCBC, free as long as you are a union member and paying union subscriptions.
Use Credit Cards only as a convenient means of payment in certain establishments, like swanky restaurants or shops, for travel or electronics. For ordinary spendings refrain from using cc, use NETS or cash. Pay your cc bills in full every month.
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Originally posted by stellazio:
visa signature got shell discount..
no need signature.... uob One already got... + the income criteria higher than 30k... -
Originally posted by mancha:
Ask what is the annual subscription fee. That is something you don't like to pay. And annually you will be asking for a waiver. Until one day, they will respect your wishes. Then you apply for another one again.
POSB cc first three years free, then $18 per annum, I think, is cheap.
NTUC-OCBC, free as long as you are a union member and paying union subscriptions.
Use Credit Cards only as a convenient means of payment in certain establishments, like swanky restaurants or shops, for travel or electronics. For ordinary spendings refrain from using cc, use NETS or cash. Pay your cc bills in full every month.
Yea, I am quite interested in the Ladies Card from UOB...if apply now can get a 2 year waiver for annual fee. After that if I continue with them need to pay 60 yearly...
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Originally posted by rainee:
Yea, I am quite interested in the Ladies Card from UOB...if apply now can get a 2 year waiver for annual fee. After that if I continue with them need to pay 60 yearly...
after 2yr waiver finish can neg with them... -
Originally posted by rainee:
Yea, I am quite interested in the Ladies Card from UOB...if apply now can get a 2 year waiver for annual fee. After that if I continue with them need to pay 60 yearly...
No harm going for it, and see how it is. You can cancel the card later if you don't like it.
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Master card and Visa card are the most recognised around the world so I would recommend one of them.
It also really depends what you use your credit cards for. If you're planning to use it mainly for all your grocery shopping, paying bills etc, it's worth getting one that has reward points or frequent flyer points.
If you are also planning to use your credit card for both grocery and online shopping, if you can afford it, it's adviseable to get 2 separate credit cards. Keep the credit limit of the card used for online shopping to the minimum, just in case someone happens to get hold of your card number and abuse it, at least your loss is not going to be significant.
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i can only afford Posb Net cards, cashcards and ezlink cards. Me got no Master and also never go oversea, so no visa. Applied AMEX to buy america products and DIner CLUB for dinner, all rejected.
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UOB lady's card.
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Originally posted by angel7030:
i can only afford Posb Net cards, cashcards and ezlink cards. Me got no Master and also never go oversea, so no visa. Applied AMEX to buy america products and DIner CLUB for dinner, all rejected.
Don;t pretend, I no believe you.