About Credit Cards

[iperiodic]

Now that I'm working, sis applied HSBC Revolution Supp Card for me and I also applied OCBC GE Cashflo Card purely for the annual premium splitting into interest free monthly payments.

I'm still a stranger to credit cards and would like to ask if there's any loopholes I should avoid when owning one?

Eg, by when should I pay my monthly bills to not incur any interest?

If I want to cancel my card because they won't waive the annual card fee, would it normally be alright to call and cancel when i receive the statement for the card fee? I don't think I can remember two years down the road to cancel the card before it reaches the third year where annual fees are chargable. Ie to say if I call to cancel after seeing the statement where I am charged for the annual card fee, am I liable to pay for it in order to cancel the card?

Any other tips for owning a credit card to avoid any extra charges?

Get credit card feel so much trouble for me, headache haha! Thanks guys!

 

[xersion]

Statement will tell u by when need to pay.... Check if they provide hardcopy statement... Some might just e statement and u are gone case....
Call in to waive for annual fee when u receive the bill.... If not able to waive just cancel it

Sent from OPPO X9079 using GAGT

 

[01asdf]

GIRO if you're likely to forget paying on time.

You can cancel if they don't waive the fees and they will reverse it. Or you can consider lifetime no fees cards if the rewards are to your liking.

 

[iperiodic]

GIRO if you're likely to forget paying on time.

You can cancel if they don't waive the fees and they will reverse it. Or you can consider lifetime no fees cards if the rewards are to your liking.

Haha the supp card my sis just passed it to me on a random day, didn't really want it. OCBC Card I got it just for the premiums on my GE policies. That's why I got no idea about what card to get for my personal use because I'm personally not interested in the idea of oweing ppl. Will arrange a giro payment when I'm home.

 

[xersion]

I dun like Giro... They will just deduct the AF and Tata....

Sent from OPPO X9079 using GAGT

 

[iperiodic]

I dun like Giro... They will just deduct the AF and Tata....

Sent from OPPO X9079 using GAGT

Oh ya that's true, like that wonder if I should make manual payment instead.