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In this video I bring you as comprehensive of a guide as I can about credit cards: everything from what they are, how to use them, what to look out for – everything that I wish I had known about credit cards when I started out.
🕑 TIMESTAMPS:
0:00 Introduction
1:18 What are credit cards
2:35 Benefits of credit cards
11:17 How to apply
13:45 How to pay your credit card bills
14:20 Things to note (annual fees, late charges)
17:50 Personal checklist for credit cards
23:14 Credit cards I’m using
35:20 Other tools
36:11 Closing thoughts
🧡 FIND ME ON PATREON: https://www.patreon.com/lisa_k
👉If you're looking for a financial advisor, I would highly recommend the folks at DaretoFinance: https://forms.gle/UCSudcU21ngzHXCF8
💳ALL CREDIT CARDS MENTIONED:
1. DBS Live Fresh: https://www.dbs.com.sg/personal/cards/credit-cards/live-fresh-dbs-visa-paywave-platinum-card
2. AMEX True Cashback: https://pixel.ekosconnect.com/px?a=530&c=160&p=150&ev=affclk&k=8713558fab537d68 *
3. Citi Cash Back+ Mastercard: https://pixel.ekosconnect.com/px?a=530&c=85&p=70&ev=affclk&k=b58800abd3724fa1 *
4. Maybank Platinum Visa: https://www.maybank2u.com.sg/en/personal/cards/credit/maybank-platinum-visa-card.page
5. Standard Chartered Spree: https://www.sc.com/sg/credit-cards/spree-credit-card/
6. Standard Chartered Smart: https://pixel.ekosconnect.com/px?a=530&c=651&p=433&ev=affclk&k=aff00943aeff1436 *
7. DBS Altitude Visa: https://www.dbs.com.sg/personal/cards/credit-cards/dbs-altitude-cards
8. POSB Everyday: https://www.posb.com.sg/personal/cards/credit-cards/posb-everyday-card
9. OCBC Frank Credit Card: https://www.frankbyocbc.com/products/cards/credit-card
🎞 OTHER YOUTUBE VIDEOS & RESOURCES MENTIONED:
– More info about Credit Score ➡️ https://www.investopedia.com/how-to-improve-your-credit-score-4590097
– Ultimate App for Budgeting | How I Budget & Manage My Money Daily ➡️ https://youtu.be/wUv6tf8epx8
– How I Live on a $3200 Monthly Salary in Singapore ➡️ https://youtu.be/zPRgb6ZRg5w
– Shopback ➡️ https://app.shopback.com/t9kA1X1wrqb
– Money, Explained | "Episode 2: Credit Cards" ➡️https://www.netflix.com/sg/title/81345769
– Vox | Who actually pays for your credit card rewards? ➡️ https://youtu.be/ySH5SudRwak
✏️ RESOURCES:
– 📊 Budget Template (go to "File → Make a copy" to be able to edit the template) ➡️ https://docs.google.com/spreadsheets/d/1PFXdozyj--bAEnqATVKTyqz6fTIR3mybfyzHQ6fuV_w/edit?usp=sharing
🔗 SERVICES I USE + REFERRAL CODES (only if you wish to support me, no pressure):
– 🪴 Therapy service that I use ➡️ https://www.betterhelp.com/rpc/835c2990bc4d3f39-2-11
– 💰 Money Lover app (expense tracker app) ➡️ https://apps.apple.com/sg/app/money-lover-expense-tracker/id486312413 (iOS) / https://play.google.com/store/apps/details?id=com.bookmark.money&hl=en (Android)
– 💰 Syfe (investment robo-advisor) ➡️ code: SRPTFJ5BP https://syfe.com/
– 💰 Stashaway (investment robo-advisor) ➡️ https://www.stashaway.sg/
– 💰 Singlife (cash management account) ➡️ https://app.singlife.com/y1Iyf0TB
– ☎️ giga! (my phone plan) ➡️ code: rU0Bvk http://bit.ly/refergiga
📹 MY EQUIPMENT & TOOLS:
– *Logitech Yeti Nano Microphone: https://shope.ee/4pZfTbrnIP
– *iPad Pro 11" (3rd gen): https://shope.ee/8p5rSCBYO1
– *Apple Pencil: https://shope.ee/2KsNiHhwjw
– iMovie for video editing
– Canva for graphics
*Indicates use of affiliate links which provide a small commission that help to support this channel.