Get free $50 by applying for standard chartered credit card now.

I mention in my previous post, How To Save Money On Wedding Banquet, that Standard Chartered Manhattan Platinum Credit Card offers one of the best cashback.

I am sorry that this is a bit late to post this now as the qualifying period for this promotion is from 9 May – 30 June 2011, so you only left a few more days to do so.

Apply for the qualifying card types (Visa Platinum Card, MasterCard Platinum Card, Business Platinum Card, NUS Alumni Platinum Card, MANHATTAN Platinum Card and the Prudential Platinum Card) and remember to key in the correct promotion code: ONLINE50

Send in your supporting documents as soon as possible as there isn’t much time left. By email is the fastest.

Spend any amount on the credit card within the first month after you receive it to receive the $50 rebate.

I had applied MANHATTAN Platinum Card last month and used it to buy a shirt that cost $49.90 and I got the $50 rebate! I love free money :)

Link: Qualifying card types

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How to save money on wedding banquet? With a bit of research on the internet, I have found a way to do so.

Some people may like to clock reward points onto their credit cards, but I prefer cashback the most, because I can use the cashback on things I really wanted to buy instead of restricting myself to the redemption offered by the banks which usually is quite useless to me.

Wedding banquet is very expensive and involved a big amount of money. With a table easily costing over $1000, It easily mounts to $30k and even higher!

I find that Standard Chartered Bank offers the best cashback with their debit and credit card.

Standard Chartered XtraSaver Debit Card
- offers 2% cashback (cap at $300 per month)

Standard Chartered Manhattan Platinum Credit Card
- offers 5% cashback (cap at $200 per quarter)

I can charge a amount of:
- $15,000 to XtraSaver Debit Card to get the max of $300 cashback
- $4,000 to Manhattan Platinum Credit Card to get the max of $200 cashback

I got my wife to apply for Standard Chartered Manhattan Platinum Credit Card too!

In total, we can get $700 cashback on amount of $23000. The rest of the bill can be charged to other cards to earn points or get 0.5% rebate using SingTel-UOB Platinum Credit Card which can offset my Singtel bill!

Never use cash to settle your banquet bill, you will miss out on the enormous amount of points or cashback.

Every cents saved is money in your pocket~

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Nothing is impossible with a Credit Card? THINK AGAIN!

A small amount of credit card debt can quickly snowballed to a huge sum if it is not taken care of properly.

Banks charge 24%p.a. interest on an overdue amount, there is an addition $30 late payment fee if you forgot to pay or missed the due date, and the bank also charge 24%p.a. interest on the $30 late payment fee!

4 Tips to Avoid Credit Cardit Debt

D.R.A.W

1) D – Differentiate between Needs & Wants

A ‘need’ is something you can’t do without (eg. food) while a ‘want’ is something you would like to have (eg. latest LCD TV, handphone). One can’t survive without food but definitely can survive without the latest Nokia Handphone.

2) R – Record & Tracks Your Expenses

Make it a habit to track your expenses daily, so that you know where your money is spent on and cut down on unnecessary expenses.

3) A – Avoid Late Payments

Don’t be foolish to add on to the debts by incurring additional charges, Always Pay On Time!

4) W – When to use Cash or Credit Card

Only use Credit Card if you have the ability to repay in full when the bills come, if not, it is better to use Cash.

If They accept credit cards, I usually charge everything to my credit card.

Nowadays I only use SingTel-UOB Visa Platinum Card as it is convenient and it offers cash rebate which offset my handphone bill.

One plus point to use credit card is that you know where your money is spent on by looking at the bill.

I pay it off in full at the end of each month. This way the money stays in my account up to a few weeks longer than if I pay cash or check. It is important not to leave anything over because incurring interest would be a foolish idea.

I carry only very little cash to cater for those places that do not accept credit cards. I feel that when you see the more money in the wallet, the higher the tendency to spend it away. So even if I use the ATM to draw cash, I usually withdraw in small amount.

In the past, Check is only used for my car installment payment. I seldom touch the check book since I scrapped my car. 

Credit Card is a good friend if you dont misuse it.

If you can’t afford it then don’t buy it now.

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Save some money on your SingTel bill with SingTel-UOB Visa Platinum Card.

Get SMART$ rebate at over 500 participating outlets.

The SMART$ earned from using this credit card can be used to offset the SingTel bill.

This is my favourite credit card as it allows me to buy cheaper movie tickets at Cathay Cinema!

The table below shows the SMART$ earned from your SingTel bill. 

More Info

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The most important step to reducing credit card debt is to stop using your credit cards. It takes longer to repay the debt if you keep using those swipe happy credit cards.

The only way to ensure that you can stop using those cards is by cutting all the credit cards into samll pieces so that they are not available for use.

However you may want to keep one card for emergency use. But keep it frozen in a block of ice in your refrigerator and only use it in times of emergency!

I have not cut my credit cards into pieces. I used to hold 5 to 6 cards but I have reduced the number of cards that I have and only keep the neccessary ones.

I have learnt to differentiate the NEEDS from the WANTS, and greatly reduced my spending on the WANTS.

Credit card debt is the worst kind of debt. It basically means spending money you did not really have. It is considered unsecured debt as there is nothing of value backing it.

Credit card debt is more like financial cancer because if it is left untreated, it will grow and choke your financial livelihood and may lead to bankruptcy.

Be double careful of what you owe to the banks as the credit card sharks continue devouring us with sky high interest rates of up to 24% p.a.

Maybank eCard Platinum offers Unlimited free admission to Sentosa Island and unlimited free rides to Sentosa through the Sentosa Express.

If you are a beach plus Sentosa lover, you will be tempted to apply for it.

Maybank eCard Platinum also offers some discounts of up to 50% at some of the island eateries like The Coffee Bean & Tea Leaf and Delifrance, Sentosa Accommodation like the Siloso Beach Resort and Rasa Sentosa Resort, Sentosa Attractions like the Singapore Cable Car & Songs of the Sea.

Be sure to apply for the Maybank eCard Platinum before 31/12/08 to enjoy S$100 cash credit and 10-year annual fee waiver.

I have already applied for it, what are you waiting for?

Click here to apply

Sentosa Siloso Beach

Sentosa Sunset Near ‘Songs of The Sea’

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