Planning a trip? Remember to lock in your travel coverage — and the best part is, there’s **no minimum spend required** to qualify for these rewards! Simply purchase any eligible single-trip or annual plan from the eligible products and get a change to get a Dyson Corrale or Krisflyer Miles.
Credit cards are incredibly convenient — but they can also become expensive very quickly if you miss a payment.
A single late payment can trigger:
– **Late fees**
– **Finance charges**
– Interest on new purchases
– Possible overlimit fees
– Negative impact on your credit profile (if prolonged) — repeated late payments or carrying high balances can lower your credit score, which affects your ability to get loans, mortgages, or other credit in the future.
The good news? Some of these charges are **negotiable** if they are not frequent (within reasonable doubt, for example: you forgot).
This ultimate guide will show you how to reduce or eliminate late fees and interest charges, step by step. But first let’s define:
CFDs (Contracts for Difference) are widely marketed as an easy way to trade global markets with small capital. In Singapore, they’re legal, accessible but not widely understood by retail investors. Before you place your first trade, here’s what you need to know. This is not a sponsored post or an endorsement to buy/sell/hold CFDs.
Credit cards are powerful financial tools — offering **cashback, miles, perks, and financial flexibility** — but their benefits only materialise when managed responsibly. So how many cards should you have? Neither financial advisors nor credit card issuers offer a universal rule that fits everyone. Instead, the ideal number depends on your financial habits, how disciplined you are with tracking spending and payments, and the rewards you want to optimise.
To begin with, it’s important to understand that owning a credit card isn’t a requirement for financial success or stability. Some people choose to live without one entirely, finding cash and debit transactions simpler for budgeting and avoiding the risk of interest charges if payments are missed. Others view a credit card as a tool that, when used responsibly, offers convenience and financial rewards.
Until 28 February 2026, HSBC Revolution is extending the limited-time bonus on travel and contactless spends. Read more.
This page is where I park my favourite credit cards, so you don’t have to
From 01 – 28 February 2026, Longbridge is offering lifetime zero-commission trading on US, HK,
Whether you’re starting your first investment journey or looking to expand your portfolio, eToro’s limited-time
Whether you’re heading off on a quick getaway or a long-awaited overseas trip, this limited-time
Looking to invest your money? StashAway’s new user promotion gives you the perfect opportunity to start. Whether you’re looking to park your extra cash, start your first investment portfolio, or explore ETFs yourself, this promotion is designed to give new users a head start.
Planning a trip? Remember to lock in your travel coverage — and the best part is, there’s **no minimum spend required** to qualify for these rewards! Simply purchase any eligible single-trip or annual plan from the eligible products and get a change to get a Dyson Corrale or Krisflyer Miles.
Credit cards are incredibly convenient — but they can also become expensive very quickly if you miss a payment.
A single late payment can trigger:
– **Late fees**
– **Finance charges**
– Interest on new purchases
– Possible overlimit fees
– Negative impact on your credit profile (if prolonged) — repeated late payments or carrying high balances can lower your credit score, which affects your ability to get loans, mortgages, or other credit in the future.
The good news? Some of these charges are **negotiable** if they are not frequent (within reasonable doubt, for example: you forgot).
This ultimate guide will show you how to reduce or eliminate late fees and interest charges, step by step. But first let’s define:
CFDs (Contracts for Difference) are widely marketed as an easy way to trade global markets with small capital. In Singapore, they’re legal, accessible but not widely understood by retail investors. Before you place your first trade, here’s what you need to know. This is not a sponsored post or an endorsement to buy/sell/hold CFDs.
Credit cards are powerful financial tools — offering **cashback, miles, perks, and financial flexibility** — but their benefits only materialise when managed responsibly. So how many cards should you have? Neither financial advisors nor credit card issuers offer a universal rule that fits everyone. Instead, the ideal number depends on your financial habits, how disciplined you are with tracking spending and payments, and the rewards you want to optimise.
To begin with, it’s important to understand that owning a credit card isn’t a requirement for financial success or stability. Some people choose to live without one entirely, finding cash and debit transactions simpler for budgeting and avoiding the risk of interest charges if payments are missed. Others view a credit card as a tool that, when used responsibly, offers convenience and financial rewards.
Until 28 February 2026, HSBC Revolution is extending the limited-time bonus on travel and contactless spends. Read more.
This page is where I park my favourite credit cards, so you don’t have to
From 01 – 28 February 2026, Longbridge is offering lifetime zero-commission trading on US, HK,
Whether you’re starting your first investment journey or looking to expand your portfolio, eToro’s limited-time
Whether you’re heading off on a quick getaway or a long-awaited overseas trip, this limited-time
Looking to invest your money? StashAway’s new user promotion gives you the perfect opportunity to start. Whether you’re looking to park your extra cash, start your first investment portfolio, or explore ETFs yourself, this promotion is designed to give new users a head start.
Valid for new-to-bank credit cardholders or does not own any of the bank’s credit cards in the last 12 months, unless otherwise stated.
Gift confirmation are usually sent after you have completed rewards redemption form (sent to your email) & fulfilled qualifying spend within stipulated period.