不知道credit card到底有什么好处，只是听说在外面吃饭付账的时候比较方便。我也想办一张，不过不知道哪家银行的比较好。另外，这样的服务银行一定要赚钱的吧，不过有些credit card第一年都不用付钱，他赚什么啊？不懂，那位可以指点一二？多谢多谢。

they earn from surcharge (that's why some shops refuse to accept credit cards, or require a minimum amount for it) on the shops.

they earn from interest impose on you if not paid back on time.

...

Don't worry for credit card issuers (these need not be banks). They have plenty of ways to make money out of you (or your actions, if that matters).

看了一下，本地的几家银行比较好，比如DBS, OCBC什么的。外来的比较黑，比如CitiBank, standchart

不要给他们charge你利息的机会。只要认真研究一下credit card的条规，你完全可以尽情享受它的种种优惠。还有一个赖掉annual fee的办法，就是在免费期结束的时候打电话去要求terminate，很多银行都会再免一年的annual fee来留住你，不行的话就假戏真唱，反正总有下一个新卡在街角。

Went abroad and spent quite a lot. In the end, missed the payment deadline due to the billing cycle (overdue just before I returned to Singapore). The interest amounted was quite substantial.

基本上和credit card没有多大分别，国外也可以用，优惠也很多。
而且不用担心付帐问题，因为是直接从你account里面扣。