Tips for Choosing the Top Credit Cards for Your Spending Habits
Tips for Choosing the Top Credit Cards for Your Spending Habits
Blog Article
How to Choose the Most Suitable Credit Cards for Your Needs
Understanding the credit card benefits options can be daunting with so many choices available, each offering different miles, cashback, and bonuses. We have streamlined the process to make it easier to start 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 analyze your monthly expenses across different categories such as:
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- Online
- 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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**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 earning ratios, 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 Enrollment Offers.
We also offer options for further optimization such as only filtering cards by 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 expenses and notifies you of changes to optimize your setup to boost your miles earned. This proactive method ensures you always have the best credit card portfolio to gain the most advantages.
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