Tips for Choosing the Best Credit Cards for Your Spending Habits
Tips for Choosing the Best Credit Cards for Your Spending Habits
Blog Article
Tips for Choosing the Best Credit Cards for Your Needs
Understanding the credit card perks arena can be daunting with so many alternatives available, each offering different miles, cashback, and bonuses. We have streamlined the process to help you get started in less than 5 minutes, with ongoing monitoring so that you are always informed if there are more suitable options for you.
**Understanding Your Spending Habits**
The first step is to understand your monthly expenses across different categories such as:
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- Digital payments
- Wireless transactions
- Food and beverage expenses
- Overseas spending
- Other expenditures
This information helps us better understand your spending patterns and recommend the optimal collection of credit cards based on your spend.
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**Custom Credit Card Recommendations**
Next, our artificial intelligence system compares your spending patterns with our database of credit cards to estimate the potential rewards you could earn from various credit cards, considering factors like incentive percentages, caps, and exclusions.
We keep a current repository of credit card offers from all key financial players in Singapore, including reward and discount cards as well as Welcome Incentives.
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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**Continuous Monitoring and Recommendations**
Since card benefits can change over time, our platform keeps track of its recommendations based on your expenses and informs you of changes to optimize your setup to boost your benefit accrual. This dynamic approach ensures you always have the optimal selection to achieve the highest returns.
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