Regret applying for credit card...
#11
9-11-2019 7:13 AM
kopihothot said:
TS very rich now, not only have dreams. thumbs up

Rich people won't use credit lah (24% loans). 5yjbztv
I've had everything but still not able to feel truly happy.
Until i saw “ordinary” is the only answer to true happiness.

快乐好比一只蝴蝶,你若伸手去捉它,往往会落空;但如果你静静地坐下来,它反而会在你身上停留。
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#12
9-11-2019 8:06 AM
7Best said:
Rich people won't use credit lah (24% loans). 5yjbztv
timeout
https://www.moneysense.gov.sg/articles/2...bankruptcy
I've had everything but still not able to feel truly happy.
Until i saw “ordinary” is the only answer to true happiness.

快乐好比一只蝴蝶,你若伸手去捉它,往往会落空;但如果你静静地坐下来,它反而会在你身上停留。
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#13
9-11-2019 7:35 AM
Surfer said:
Just call them to waive the annual fees. My cards annual fees are all waived. But make sure you always pays in full and don't roll over your payment.

Many people just pay the min sum every month and the credit card debts is snowballing ...
Use Debt Snowball Calculator apps to check ... 5yjbztv
I've had everything but still not able to feel truly happy.
Until i saw “ordinary” is the only answer to true happiness.

快乐好比一只蝴蝶,你若伸手去捉它,往往会落空;但如果你静静地坐下来,它反而会在你身上停留。
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#14
I only have two cards.
Both have no annual fee.

OCBC Ntuc Link Visa
CIMB Platinum Mastercard

Apart from payment of bills, I also find the balance transfer facility of a credit card very useful
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#15
9-11-2019 6:56 AM
QE3 said:
Got free credit card without annual fee, you dont apply.
You apply debit card. 127fs4573872
Still got $18 membership annual fee.

Which credit card is really no annual fee? Mind you, it is not equal to waive annual fee.
I'm using OCBC NTUC credit card, no annual fee.
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#16
9-11-2019 8:28 AM
Rodknight said:
I only have two cards.
Both have no annual fee.

OCBC Ntuc Link Visa
CIMB Platinum Mastercard

good thing you reminded me
just checked and found my
CIMB credit card, still valid.

may use it one of these days.
Rolling on the flor laughing
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#17
9-11-2019 8:06 AM
7Best said:
Rich people won't use credit lah (24% loans). 5yjbztv

Only people with no credit don't use credit, I want to apply a card also cannot qualify. Crying
Stop trying to calm the storm. Calm yourself, the storm will pass.
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#18
9-11-2019 8:28 AM
Rodknight said:
I only have two cards.
Both have no annual fee.

OCBC Ntuc Link Visa
CIMB Platinum Mastercard

Apart from payment of bills, I also find the balance transfer facility of a credit card very useful

CIMB Platinum Mastercard
How do you get your monthly bill statement (E statement or hardcopy = $1/month)?
How you pay the outstanding amount?

Interested in getting one.
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#19
Hello TS have you just came out of hibernation cave?

nobody pays annual fees anymore these days

But if u insist on paying annual fees, please shoot yourself in your foot

Lol
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#20
What is your regular spending power per month?

If less than $1K, then you should use cash instead.....
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