i always pay my credit card bills on time so that the bank cannot make money from me

[coyote]

smart right

hehehehehe

That's not how banks make money from credit cards.

 

[Amaterasu]

Once they reject your request for waiver, you kenna lan already.

Threaten cancel card no use, they already earn from you.

 

[Philipkee]

You

Lol. You think the merchant is absorbing the cost or passing it to consumers? The selling price already buffer all the necessary cost. Except for some establishments, they charge a % for credit card payments.

You think Paynow has no platform fee?

*yawn*

Actually no.

Paynow does not have a platform fee for all. But yes the provision shop guy told me 20c surcharge but some places like hawkers got a waiver until 2025 or something before surcharge kicks in.

https://www.uob.com.sg/business/transact/paynow-corporate.page
The merchants i patronise, if a product is $10, it’s $10 regardless of cash or paynow or credit card. Those that mark up cos it’s credit card, either I paynow, cash or don’t patronise.

 

[radish]

i spent almost everything using everyday card from mrt to grocery.... i never missed a payment and i have perfect credit standing.

every year i spent at least more than 10k via it and still dbs refuse to waive annual fees.

well.....

 

[Travis_Touchdown]

smart right

hehehehehe

won't forget de mehz??

 

[nyvrem]

jin satki

moi dunch have credit card

 

[Whimsica]

And you earn points Ah Gui - you are smarterer than you think you are!

 

[crystalnox]

i spent almost everything using everyday card from mrt to grocery.... i never missed a payment and i have perfect credit standing.

every year i spent at least more than 10k via it and still dbs refuse to waive annual fees.

well.....

Did you try calling in to speak to a CSO? DBS is very easy to get a waiver, just avoid digibot or automated phone banking.

 

[ninjaghost]

still earn, not from you but from the shop that using their services

 

[thisisnotme1212]

charges shos muchs stills wants tos charges annuals fees
knn greedys af

 

[testingabc]

you should follow me, like i no credit card so bank cannot make money from me

 

[DragonFire]

i spent almost everything using everyday card from mrt to grocery.... i never missed a payment and i have perfect credit standing.

every year i spent at least more than 10k via it and still dbs refuse to waive annual fees.

well.....

Check the terms bro... some cards need a lot more than 10k for autowaiver. Started trimming down the cards to concentrate spending on only a couple.

 

[Needmysleep]

This is the way

 

[s-ghost]

Ok just informed them no more such waiver

the bank no dare one, they see my assets they open doors wide wide invite me in from 2km away

 

[s-ghost]

won't forget de mehz??

ah gui never forgets

 

[PaprikaSG]

Aren't we supposed to pay on time for all bills?

 

[s-ghost]

And you earn points Ah Gui - you are smarterer than you think you are!

and they give me cashback and interest, OMG ah gui is so smarterest

 

[blurwulf]

Late charges usually they will waive or not? This month I missed the payment due date for about 5 days nia...knn they now charged me $100 late fees. Sent in my request for waiver, 2 days liao still no news from them...

 

[testingabc]

dont use credit card like me, lagi best la

 

[Oxygenatedwater]

Late charges usually they will waive or not? This month I missed the payment due date for about 5 days nia...knn they now charged me $100 late fees. Sent in my request for waiver, 2 days liao still no news from them...

song bo

pay up lah do wrong don't miser