关于credit card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。[安妮 (6-20 22:35, Long long ago)] [ 传统版 | sForum ][登录后回复]1楼

credit card has surcharge.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.

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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).[Flying (6-21 0:29, Long long ago)] [ 传统版 | sForum ][登录后回复]2楼

看昨天的straits times，有一些credit card的比较和隐含条件的介绍看了一下，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[海风 (6-21 10:07, Long long ago)] [ 传统版 | sForum ][登录后回复]3楼

最紧要准时付账不要给他们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。[南岳之麓 (6-21 14:03, Long long ago)] [ 传统版 | sForum ][登录后回复]4楼

(引用 南岳之麓:最紧要准时付账不要给他们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annua...)en... last time...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.[Flying (6-21 19:26, Long long ago)] [ 传统版 | sForum ][登录后回复]5楼

如果没有特别需要，用debit card就可以了基本上和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。[Wahoo (6-22 1:36, Long long ago)] [ 传统版 | sForum ][登录后回复]6楼