About credit cards..
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Ooooh yea, 21 years old can hab credit card le rite?
If i'm not earning an income currently, i still can hab 1 a not? I onli want the promotions that come with it la, not planning to live on credit..
My dad says 1st 2 yrs waiver of card fees, den can quit anytime.. Wah sounds too good to be true.. So is it true?
Currently looking at DBS/HSBC card coz got discounts at this buffet restaurant that i wanna go..
Someone enlighten me about cards ok. Thanks thanks!
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AS long as you have that amount of $ in your bank account that qualify for the application it is fine.
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usually is how much? All my moolah floating in the stocks market leh. Shit la.
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Was told UOB has better offers. Me using UOB. Perhaps you would like to go online to check the differences among what the banks are offering before you apply for any card.
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Originally posted by motoway:
usually is how much? All my moolah floating in the stocks market leh. Shit la.
go read the credit card application form or go online to find out. If I am not wrong say about 30k.
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i tink UOB no offers for the restaurant i wanna go.
1 person dines free for 2 paying adults! how cool is thattt!!
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Use citi bank clear card lor.. go zuok i think entrance free
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Originally posted by motoway:
i tink UOB no offers for the restaurant i wanna go.
1 person dines free for 2 paying adults! how cool is thattt!!
UOB has such offers as you mentioned above but which restaurants I don't know. Do you want to have credit card just for purpose of dining? Remember if you don't spend enough to accumulate points, you need to pay for subscription. -
yep yep my purpose of the card is just for dining purposes.
The restaurant i'm looking at is CafeBiz btw.
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Originally posted by motoway:
yep yep my purpose of the card is just for dining purposes.
The restaurant i'm looking at is CafeBiz btw.
For dining purpose, Use Diner Club Card lah, use credit cards for what, they are meant to make you pay them credit, not dining ya -
the citibank clear card Zouk promotion is ending soon i think. UOB now has Zouk and Velvet promotion if im not wrong. and if u drive, go look for a good card that got petrol discounts...very impt for drivers. theres also a citibank card that has rebates on ezlink fares.
and i simply LOOOVEE to cancel my card when they don't wana waive my annual fee. that poor fella will always try to persuade you to continue with the card but i love to say "nope sorry, id look for another card, bye:D"
and rmb to pay ur bills on time ar..sometimes one day late all the discounts that u chalked up gone plus they charge interest on the undiscounted price!
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Diners card no haf the promotion i wan leh..
And i tink diners discount is 10% off nia, CC mostly minimum is 15%
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ask ur dad supp for u
or if u have 10k in ur bank account, can go by the side door. (or isit back door....)
uob and citibank are kinda the must-haves. -
if my dad sub for me do i get the same discounts as his main card?
I aft exams gonna check out citi clear card and UOB. Clear card attractive man.. no income also can sign. wah~
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you will get discount too...
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Originally posted by motoway:
if my dad sub for me do i get the same discounts as his main card?
I aft exams gonna check out citi clear card and UOB. Clear card attractive man.. no income also can sign. wah~
if yr dad sub for you, you should get full discount, cos your dad paid mah, me too, dad give me one sub card, me use and dad pay lor, why worry about discount. just eat lah.
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hahha must be financially dependent le ma. 21 yrs old must learn to stand on own feet, a step at a time.
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use debit card la
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i think you can only apply for debit card.
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debit card got promotions? no rite.. i tink CC promotions like better leh.
Of coz i wun mind Debit card if same discounts la..
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i think like any age can right? my mum subbed me one when i was like 18 or 17?
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Originally posted by motoway:
if my dad sub for me do i get the same discounts as his main card?
I aft exams gonna check out citi clear card and UOB. Clear card attractive man.. no income also can sign. wah~
ya same discounts ah... -
Originally posted by FireIce:
ask ur dad supp for u
or if u have 10k in ur bank account, can go by the side door. (or isit back door....)
uob and citibank are kinda the must-haves.
ya citybank best... i like DBS also, the everyday card.. see the rebate increase also quite happy. -
Originally posted by ChingAlvin:
ya citybank best... i like DBS also, the everyday card.. see the rebate increase also quite happy.citibank good meh?
i still prefer uob n hsbc.
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Originally posted by motoway:
I aft exams gonna check out citi clear card and UOB. Clear card attractive man.. no income also can sign. wah~
credit limit oni $500 a mth...
and u think no need pay back one isit?
no income when the bill come wat u going to do?
ask ur MP pay ah?