How to Choose the Most Suitable Credit Cards for Your Spending Habits
How to Choose the Most Suitable Credit Cards for Your Spending Habits
Blog Article
How to Choose the Best Credit Cards for Your Lifestyle
Exploring the credit card perks options can be overwhelming with so many alternatives available, each offering different miles, cashback, and bonuses. We've optimized the process to make it easier to start in less than 5 minutes, with perpetual monitoring so that you are always aware if there are better cards available for you.
**Understanding Your Spending Habits**
The first step is to understand your monthly expenses across different categories such as:
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- Online
- Wireless transactions
- Restaurant spending
- International payments
- Miscellaneous expenses
This information helps us gain insight into your spending patterns and identify the optimal collection of credit cards based on your spend.
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**Personalized Credit Card Recommendations**
Next, our automated tool compares your spending patterns with our database of credit cards to evaluate the potential rewards you could earn from various credit cards, considering factors like reward rates, caps, and exclusions.
We keep a current repository of credit card offers from all major banks and financial institutions in Singapore, including air miles and rebate options as well as Welcome Incentives.
We also provide options for further optimization such as only focusing on select bank offerings or fee-waived cards initially.
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**Continuous Monitoring and Recommendations**
Since credit card terms can change over time, our platform regularly refreshes its recommendations based on your expenses and notifies you of changes to optimize your setup to maximize your miles earned. This adaptable process ensures you always have the ideal set of cards to achieve the highest returns.
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