How to Choose the Top Credit Cards for Your Needs
How to Choose the Top Credit Cards for Your Needs
Blog Article
Steps to Select the Best Credit Cards for Your Needs
Understanding the credit card perks landscape can be daunting with so many alternatives 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 continuous monitoring so that you are always kept updated if there are more suitable options for you.
**Analysing 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
- International payments
- Miscellaneous expenses
This information helps us gain insight into your spending patterns and determine the best set of credit cards based on your spend.
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**Personalized Credit Card Recommendations**
Next, our AI-driven platform 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 earning ratios, caps, and exclusions.
We ensure our database is current of credit card offers from all key financial players in Singapore, including reward and discount cards as well as Enrollment Offers.
We also provide 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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**Ongoing Updates and Suggestions**
Since credit card terms can change over time, our platform continuously updates its recommendations based on your usage patterns and alerts you of changes to your selection to maximize your benefit accrual. This proactive method ensures you always have the optimal selection to maximize your rewards and benefits.
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