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Tis’ the season for extremely last minute shopping. For some masochistic reason or another, we always find some way to get ourselves stuck in the worst spot of mad rushing to buy gifts. Well, if you are stuck running around looking for what to buy, then you have to be thankful for Singapore’s good ol’ department stores. Here, we take a look at the credit cards you need to benefit the most from shopping at these places:
After months of working like a slave, rowing an oar in that galley you call a “workplace,” you’re finally ready to have your chains removed (temporarily) for a well-deserved holiday! You already know where you want to go – you just need to go online to buy your ticket.
Managing your credit score is a lot like owning a pet lion. As long as you feed it regularly and respect it, you two will get along just fine. But once you start mistreating the beast by skipping its feeding time or abusing it – you end up with one pissed off animal that’ll tear you apart.
When you get a credit card, you’ll also receive a book of terms and conditions. This book will be helpful, to about the same degree as a waterproof tea bag. Because just look at it; there are bar exams which require less legalese (and effort) to get through. As a consequence, most credit card users would have no idea if they just agreed to scrub the bank’s toilets for a year, let alone the exact fees:
Do you enjoy being in piles of debt? Does your definition of “a good time” involve rolling around in unpaid bills, like some kind of reverse Scrooge McDuck? No? Well a significant number of you must be lying, because the government seems sure you do. That’s why they’ve decided to ruin every credit card marketer’s day, by tightening unsecured loans. See how it affects you:
Credit card fraud and tourism go hand in hand. They’re both growth industries, and they both involve sending your money to exotic places. So unless you want to end up with a two year credit card debt to a strip bar in Tijuana, we suggest you check out guest writer Serene Anne’s safety tips:
The thrill and rush of unveiling that shiny new piece of plastic from a small envelope. The feeling of sheer power when you nonchalantly hand your card over to the cashier for that big ticket purchase (yeah, don’t pretend. You know that smug look). We are a nation who loves our plastic, perhaps a bit too much. Our new credit card expert Serene Anne hands out some words of caution on how to effectively manage these potential time bombs.
Yeah, I know what you’re thinking. “What the hell? Is MoneySmart being paid by Visa now?” And that wounds me, because (1) I have never made things up or told a lie, since the day I was born, and (2) I really should have thought of that myself. Our pantry needs a new coffee maker; preferably one that I won’t mistake for the aquarium again.
In “Let’s Kill Every Remittance Service at Lucky Plaza” news, DBS and VISA are tag-teaming to handle cash transfers with Visa Personal Payments (VPP). Remittance services’ biggest enemy, PayPal, has flown the coop. They’re out of this country, maybe never to come back. But before the remittance people have even reached the “c” in “Let’s pop champagne,” DBS and VISA have arrived to take PayPal’s place:
Hah! Credit card fraud, that’s easy. All you need’s a store catalogue, a card skimmer, and a street corner. When someone walks past, whack them in the head with the skimmer. Then search their unconscious bodies, steal their card, and buy a sofa off the catalogue. I know, it’s like I’m some sort of criminal mastermind. Since you know that trick now, let’s look at a few others: