Club SAHM
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I don’t usually use credit cards but after looking through the lists of items that can be exchanged from the points I’m having 2nd thoughts heehee. Though the troublesome part is to remember to set aside the money to pay for the bills.
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SAHM_TAN:
I don't usually use credit cards but after looking through the lists of items that can be exchanged from the points I'm having 2nd thoughts heehee. Though the troublesome part is to remember to set aside the money to pay for the bills.
My 3 regular cards are POSB everyday (for petrol & PUB bill only), Maybank family & friends (for NTUC, popular, guardian only), and everything else all charged to Xtra saver debit card.
None of above 3 cards give points. I find it very hard to accumulate sufficient points for redemption (and there's expiry date to those points) so I prefer direct cash rebates
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sleepy:
Hmm... Looks like you are missing out citibank? Its another one with rebates. But there is a difference between may bank vs citibank and posb everyday card. May bank's rebate will offset against bill amount. Citibank and posb everyday's will chalk up and we need to tell the cashier at participating shops that we want to offset our rebates.SAHM_TAN:
I don't usually use credit cards but after looking through the lists of items that can be exchanged from the points I'm having 2nd thoughts heehee. Though the troublesome part is to remember to set aside the money to pay for the bills.
My 3 regular cards are POSB everyday (for petrol & PUB bill only), Maybank family & friends (for NTUC, popular, guardian only), and everything else all charged to Xtra saver debit card.
None of above 3 cards give points. I find it very hard to accumulate sufficient points for redemption (and there's expiry date to those points) so I prefer direct cash rebates -
Imami:
Hmm... Looks like you are missing out citibank? Its another one with rebates. But there is a difference between may bank vs citibank and posb everyday card. May bank's rebate will offset against bill amount. Citibank and posb everyday's will chalk up and we need to tell the cashier at participating shops that we want to offset our rebates.[/quote]Hmmmm, guess I must decide points or rebatessleepy:
[quote=\"SAHM_TAN\"]I don't usually use credit cards but after looking through the lists of items that can be exchanged from the points I'm having 2nd thoughts heehee. Though the troublesome part is to remember to set aside the money to pay for the bills.
My 3 regular cards are POSB everyday (for petrol & PUB bill only), Maybank family & friends (for NTUC, popular, guardian only), and everything else all charged to Xtra saver debit card.
None of above 3 cards give points. I find it very hard to accumulate sufficient points for redemption (and there's expiry date to those points) so I prefer direct cash rebates -
Imami:
Hmm... Looks like you are missing out citibank? Its another one with rebates. But there is a difference between may bank vs citibank and posb everyday card. May bank's rebate will offset against bill amount. Citibank and posb everyday's will chalk up and we need to tell the cashier at participating shops that we want to offset our rebates.
Which citibank card would you recommend?
I have the impression citibank charged annual fees. Is yours free?
I applied POSB everyday card specifically to pump petrol. At point of payment, petrol cashier will always ask if wanna offset. PUB only accepts recurring payment by POSB everyday card so I also 顺便 charge PUB bill since already applied for the card -
The thing abt annual fees…my hubby has credit cards and when annual fees are due I will call bank to request to waive, I’m the PA on all administrative matters, and they do, SO why the annual fees?
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SAHM_TAN:
The thing abt annual fees......my hubby has credit cards and when annual fees are due I will call bank to request to waive, I'm the PA on all administrative matters, and they do, SO why the annual fees?
No annual fee for other banks credit cards at point of application. And subsequent years also waive whenever I called
But citibank website always list annual fee at point of application le. So I dare not apply -
sleepy:
Come to think of it, think hubby's ones were applied when there were free don't know how many yrs.SAHM_TAN:
The thing abt annual fees......my hubby has credit cards and when annual fees are due I will call bank to request to waive, I'm the PA on all administrative matters, and they do, SO why the annual fees?
No annual fee for other banks credit cards at point of application. And subsequent years also waive whenever I called
But citibank website always list annual fee at point of application le. So I dare not apply
Does citibank have such promotion?
I don't understand why insert the fees when they are ok to waive. Might as well cut the extra admin work and do away with the fees. LOL -
SAHM_TAN:
I don't understand why insert the fees when they are ok to waive. Might as well cut the extra admin work and do away with the fees. LOL
Now Std Cht and OCBC (possibly other banks too) hotline even have a designated option for waiver of annual fee. Agreed, might as well don't charge.
I'm guessing they are hoping to 'catch' those who are too busy or forgot to call in for waiver as well as those who have installment plan for their prior purchases & thus can't cancel their credit card until they finish paying installments -
I just managed to catch up on all the posts in this thread… I am overwhelmed with sadness (& anger) by the remarks made by a SAHM of her husband… And WORSE, getting her children involved to take sides… And WORST, having other SAHMs cheering for her here, in this and other threads, at KSP…
My hubby is working overseas… At times, my DSs do ask (not complain) why Daddy never spend as much time with them, as Mummy does with them…
I tell my 2 DSs… Daddy is working hard out there to bring home the money, so that you can have a nice house to stay in, and nice food to eat every day, and nice places to go to for holidays every year… Becoz Daddy is working hard out there, Mummy can have the luxury of not working and hence able to spend more time with you all than Daddy does… So, my 2 DSs adore their Daddy, even though my husband does not spend much time with them… As they know, their Mummy loves and respects their Daddy so much for the sacrifices he makes for the family…
I have a MCQ question here for SAHMs (like in the Aunties’ thread)…
Do you call your husband (the man whom you chose to marry and have children with) a "Stupid Idiot", "Idiotic fellow", "Sickening man", "Mad Dog" repeatedly (especially in a Public Forum)?
1. I would rather die.
2. I am not brainless hor… If I call my husband a "Mad Dog", then my children must be "Puppies", then what would that make me out to be?!
3. Of course I do, as I need to make my husband shout at me, so that I can be angry and have an excuse to go shopping and spend his money to buy branded stuffs mah.
My answer is (1)… What about yours?
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