I did not look into this but for stores that charge really low for services, their business model revolves around getting large volume.

Depends on situation. Could it be because you just graduated and have not worked long enough? I guess for local Singaporeans, as long as you have a FT job for at least 3 months, it's hard to get rejected. I guess you could try again in 3 months time!

OCBC 360!

I do not think so, these are very small amounts to be noticed as well.

How old are you? Good to start young, but better to have a strong foundation! You are likely at the age of exploring future career paths, options, studying full-time. Do not be in a rush to earn passive income. While having a constant flow of money is essential and important, you should think bigger for future sake. If you are cash tight at the moment, you can explore options such as giving tuition.

Was charged a sum for inactivity! I only use it when I travel that's the thing.. I have since then, not use it. Dislike hidden fees.

It's pretty alright, but they charge a fee for inactivity as well as for cash withdrawals. Generally, I think Visa works better overseas as compared to Mastercard. You can check out other cards, there's quite a number in the market at the moment. For myself, I use Wirex which is a Visa card that came from the West. Recently travelled to countries like Thailand and Hong Kong, works well for me.

Communicate. And do a numbers breakdown for her, and show her which aspects of the expenses could be minimised for a better future for the kids and you guys. Also, another thing is about mutual respect and support. Instead of pointing fingers at one another, sit down and talk it through.

Ideally 45 years old. But also depends on lifestyle, whether you have kids. Kids are expensive.

I think it might be better to get a local card, isn't it? For better local benefits and whatnots. In any case, you should probably check out MCCs.. So many players out there these days for you to try out. I myself use Wirex cause of its low fees, not that bad.