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
Steps to Select the Best Credit Cards for Your Lifestyle
Understanding the credit card perks options can be overwhelming with so many alternatives available, each offering different offers, benefits, and advantages. Our system simplifies the process to help you get started in less than 5 minutes, with ongoing monitoring so that you are always kept updated if there are improved choices for you.
**Analysing Your Spending Habits**
The first step is to analyze your monthly expenses across different categories such as:
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- E-commerce
- Contactless
- Restaurant spending
- Overseas spending
- Other expenditures
This information helps us identify your spending patterns and identify the best set of credit cards based on your spend.
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**Personalized Credit Card Recommendations**
Next, our artificial intelligence system compares your spending patterns with our repository 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 miles and cashback cards as well as Sign-up Bonuses.
We also suggest options for further optimization such as only looking at cards from specific banks or cards with no required first-year annual fee.
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**Dynamic Tracking and Advice**
Since card benefits can change over time, our platform keeps track of its recommendations based on your spending and alerts you of changes needed in your card portfolio to enhance your rewards collection. This proactive method ensures you always have the ideal set of cards to achieve the highest returns.
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