How to Choose the Top Credit Cards for Your Needs
How to Choose the Top Credit Cards for Your Needs
Blog Article
Steps to Select the Best Credit Cards for Your Spending Habits
Exploring the credit card benefits landscape can be daunting with so many selections 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.
**Evaluating Your Spending Habits**
The first step is to determine your monthly expenses across different categories such as:
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- Digital payments
- Wireless transactions
- Restaurant spending
- Foreign Currency Spend
- Miscellaneous expenses
This information helps us better understand your spending patterns and recommend the most suitable group 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 earning ratios, caps, and exclusions.
We keep a current repository of credit card offers from all key financial players in Singapore, including miles and cashback cards as well as Enrollment Offers.
We also suggest options for further optimization such as only looking at cards from specific banks or no-fee options for the first year.
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**Ongoing Updates and Suggestions**
Since offers and conditions can change over time, our platform continuously updates its recommendations based on your usage patterns and notifies 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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