Tips for Choosing the Most Suitable Credit Cards for Your Spending Habits
Tips for Choosing the Most Suitable Credit Cards for Your Spending Habits
Blog Article
How to Choose the Most Suitable Credit Cards for Your Spending Habits
Exploring the credit card benefits options can be overwhelming with so many choices available, each offering different offers, benefits, and advantages. Our system simplifies the process to make it easier to start in less than 5 minutes, with continuous monitoring so that you are always kept updated if there are better cards available for you.
**Analysing Your Spending Habits**
The first step is to determine your monthly expenses across different categories such as:
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- Online
- Wireless transactions
- Food and beverage expenses
- Foreign Currency Spend
- General Spend
This information helps us better understand your spending patterns and identify the most suitable group 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 repository of credit cards to calculate the potential rewards you could earn from various credit cards, considering factors like incentive percentages, caps, and exclusions.
We maintain an updated database of credit card offers from all major banks and financial institutions in Singapore, including air miles and rebate options as well as Enrollment Offers.
We also offer 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 card benefits can change over time, our platform regularly refreshes its recommendations based on your usage patterns and informs you of changes needed in your card portfolio to enhance your benefit accrual. This adaptable process ensures you always have the optimal selection to maximize your rewards and benefits.
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