Tips for Choosing the Most Suitable Credit Cards for Your Needs
Tips for Choosing the Most Suitable Credit Cards for Your Needs
Blog Article
Steps to Select the Most Suitable Credit Cards for Your Spending Habits
Understanding the credit card rewards landscape can be overwhelming with so many choices available, each offering different miles, cashback, and bonuses. We have streamlined the process to assist you in beginning in less than 5 minutes, with perpetual monitoring so that you are always kept updated if there are better cards available for you.
**Understanding Your Spending Habits**
The first step is to determine your monthly expenses across different categories such as:
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- Online
- Wireless transactions
- Dining
- International payments
- Miscellaneous expenses
This information helps us better understand your spending patterns and identify the optimal collection of credit cards based on your spend.
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**Tailored Credit Card Recommendations**
Next, our artificial intelligence system compares your spending patterns with our collection of credit cards to estimate the potential rewards you could earn from various credit cards, considering factors like earning ratios, caps, and exclusions.
We ensure our database is current of credit card offers from all key financial players in Singapore, including air miles and rebate options as well as Welcome Incentives.
We also suggest options for further optimization such as only focusing on select bank offerings or no-fee options for the first year.
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**Continuous Monitoring and Recommendations**
Since card benefits can change over time, our platform regularly refreshes its recommendations based on your expenses and notifies you of changes to your selection to enhance your rewards collection. This proactive method ensures you always have the optimal selection to gain the most advantages.
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