Which credit card are you using and why?
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Originally posted by parn:
LOL!!! How does having no income relates to 30k diamond ring?
No wonder Singaporean guys like yourself are suffering from relationship failures and divorces, because they do not understand why they will never find true love with their cheap fuck mentality.
I realised how impossible it is for society failures like your kind to afford a mere 30k diamond ring.
haha dickhead :)
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Originally posted by parn:
Bluff you for what?No income, no credit card.
I only have debit card.
i lazst time also no credit card.i only gt debit.but one day cimb bank approched me and said wanna sign up for credit carfd?i said i am student only.he said nvm we gt credit card for student.i said i don want.he said come on ,it is life time free,no year fees ,let me earn some commission. then i said ok lor.thats how i got my first credit card.it has been 3 months since i got it.i haven use it once.i still using debit. -
Originally posted by Rock^Star:
haha dickhead :)
Between you and me, dickhead would be referring to you.Unless you admit that you do not have a dick.
True?
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Originally posted by 韩飞官:
i lazst time also no credit card.i only gt debit.but one day cimb bank approched me and said wanna sign up for credit carfd?i said i am student only.he said nvm we gt credit card for student.i said i don want.he said come on ,it is life time free,no year fees ,let me earn some commission. then i said ok lor.thats how i got my first credit card.it has been 3 months since i got it.i haven use it once.i still using debit.
Maybe he's handsome and you're slightly GAY, so you conceded to his charms and sign up for a credit card.I'm not a student so I am not applicable to sign up for any credit cards.
Moreover, I HATE TO BE APPROACHED BY STRANGERS IN THE PUBLIC.
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that day nth to do mah.so let him earn some money. and are u fckup? rumors say that u are fckup
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Originally posted by 韩飞官:
that day nth to do mah.so let him earn some money. and are u fckup? rumors say that u are fckup
Rumours also say your Mum is fuckup, I heard those rumours from your Dad.Are you fuckup too?
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Any credit card that bo annual fees lor.... and make sure u pay up every mth
I use Ignite
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it is alway rumors that mess up the whole picture...please get the facts
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Originally posted by ditzy:
I always settle my cc bills on time, so I keep my records with the bank clean. In return, they don't charge me the annual fee, and waiver the cost of my card replacement, increasing my credit limit comes easy too.
As for interest free installments, I try never never to touch those, your cc bank will absolutely hate it, and they will not grant you anything good till you clear it.
I agreed.Keep your account clean with no outstandind debts or rollover.
The best option (not to incur any debts), use less cc. Pay by cash or nets.
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Originally posted by likeyou:
I agreed.Keep your account clean with no outstandind debts or rollover.
The best option (not to incur any debts), use less cc. Pay by cash or nets.
I pay by cash, cashcard and ezlink card.When I am in the library,I try to pay by cashcard if cannot then cash.
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Originally posted by Eighties:
I pay by cash, cashcard and ezlink card.When I am in the library,I try to pay by cashcard if cannot then cash.
Good to have this habit.Pple have cc get caught for not being able to pay off the debts.
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It seems the POSB Everyday Card is highly sought after, mainly for their utilities and petrol rebate; agents just stand there wait for customers come only...sign one card $30 for them.
Citi Platinum Select Card has got 5% cash back on groceries across more departmental stores compared to,
OCBC Fairprice Plus Card up to 8% off on Fairprice household brands. (but their kaya like crap...)
Anyone holding travel cards?
Why would anyone spend more than they earn if the card holder is the person who can afford the card itself? Maybe angry wives. =D
Citibank cards are coming on strong, highly recommended. Do check them out. And they are giving away nice digital clock at SITEX too.
AMEX card is on promo there too, first year waiver... they charge annual fee regardless of usage. Seems like a good card for business and travel, many other cards are tagging onto AMEX to enjoy their perks.
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Here are the links to all the credit cards available in Singapore, for your research for possible savings/rewards according to your own lifestyle (might miss out some, but these are all I found at the moment):
Diners Club: http://www.dinersclub.com.sg/en/applynow/intcreditcard.asp
AMEX: https://home.americanexpress.com/home/sg/home_p.shtml?page=PRDBS: http://www.dbs.com/sg/personal/cards/credit-card/view-all-cards.aspx
POSB: http://www.dbs.com/posb/cards/everyday/default.aspx (only 1 credit card)OCBC: http://ocbc.com.sg/personal-banking/cards/Crd_Listing.shtm#creditcards
HSBC: http://www.hsbc.com.sg/1/2/personal/cards
UOB: http://www.uob.com.sg/personal/cards/credit/overview.html
Citibank: http://www.citibank.com.sg/gcb/credit_cards/creditcard.htm
Standard Chartered: http://www.standardchartered.com.sg/personal-banking/cards/en/
Maybank: http://info.maybank2u.com.sg/personal/cards/ourcards.aspx
ANZ: http://www.anz.com/singapore/en/Personal/credit-cards/
CIMB: http://www.cimbbank.com.sg/index.php?ch=sg_per_ca&pg=sg_per_ca_prodBank of China: http://www.bankofchina.com/bcservice/bc1/
India Bank: Prata Platinum Card (1% rebate on all prata purchase islandwide)
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I tend to apply cards coz of the design rather than the privileges..
I have the following:
POSB Everyday
DBS Takashimaya purple rose
UOB Lady's card
Maybank Starfish
Standard Chartered Manhattan Card
Citibank Clear
OCBC Robinsons
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i used to go for design of the card oso
but then i realised tt pretty card oso not going to born me some more money or wat.
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Originally posted by browniebaobao:
I tend to apply cards coz of the design rather than the privileges..
I have the following:
POSB Everyday
DBS Takashimaya purple rose
UOB Lady's card
Maybank Starfish
Standard Chartered Manhattan Card
Citibank Clear
OCBC Robinsons
Wow... tats a lot.
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Originally posted by Tenzin:
OCBC Fairprice Plus Card up to 8% off on Fairprice household brands. (but their kaya like crap...)
wad kaya?
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Now everybody in sgf knows that browniebaobao is rich.
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I have Everyday Card, DBS Visa Card, 2 Diner's Club card and 4 Standard Chartered Cards
Use mainly DBS Visa and sometimes Everyday card. Good and easy way to consolidate all payments at one shot. Pay all expenses down every month.
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Originally posted by βÎτά:
Now everybody in sgf knows that browniebaobao is rich.
Anyone with a combined income (inclusive bonus) of 30k and you can prove it on your IR8A, grants you a sure green light application to almost every standard credit card available in this local market.
I managed to fool one bank with an IR8A of my previous work company, to get a credit card with a higher credit limit, because that form reflected a super bumper bonus.
The problem with too many cards is control, given a choice I prefer just one CC bill coming on the 19th of every month, then to have 10 CC bills coming in on the same day.
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actually debit is best. credit only makes you want to spend and spend.
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i only have supplementary cards..
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Originally posted by ditzy:
Anyone with a combined income (inclusive bonus) of 30k and you can prove it on your IR8A, grants you a sure green light application to almost every standard credit card available in this local market.
I managed to fool one bank with an IR8A of my previous work company, to get a credit card with a higher credit limit, because that form reflected a super bumper bonus.
The problem with too many cards is control, given a choice I prefer just one CC bill coming on the 19th of every month, then to have 10 CC bills coming in on the same day.
Yah.
But so many cards, how much do you need to spend on each card to get waiver on annual fees.
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come to think of it....i wanna cancel all my credit cards lol
what's the fastest way? Call hotline?