My views are that there are quite a few benefits to this 1. security ! especially If you are overseas never know when you card card number will be used for unauthorized purchases people people can actually scan and get your card number with you taking it out of the wallet 2. points ! Grab points are awesome and can help offset travel 3. CC perks - using specific cc like UOB one you can get cashback at an awesome rate

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Usually the banks impose a 6 months min period else they can crawl back any points/perks that was issued to you. I don’t believe cancelling a card affects your credit score Not paying your bills on time would affect the credit score

Just get vouchers so that parents can get what they prefer If not clothes or some toys would be ideal

You can just get the card without having a Citi good relationship provided your income is sufficient You are right the card does have its perks and is a good card to hold The other choice is to have some unsecured credit like a fixed deposit, the bank usually lets the application go through. Check with the customer service officers

You can look for free activities to do. Attend events, go to the museum, beach, Sentosa etc Check out https://www.timeout.com/singapore/things-to-do/things-to-do-in-singapore-this-weekend But I think the best way may be to just talk opening to someone you trust about the stress

Let me share a hack that helps you save on Fx cost Uob one top-up - Grab - Youtrip use the Youtrip for overseas purchase online on foreign websites/spend physically overseas benefits 1) save on FX from credit card overseas spend 2) 10% cash back from UOB I believe this is the best option for overseas spend currently.

1) There are bundle offers from telcos that allow the user to recontract yearly to get the newest iPhone at a discount 2) Sell off the older iPhones earlier retails greater value than using it for two years with a combination of point 1 and 2, you see iPhones switching hands yearly

I think it would better to deposit the money into the UOB one acc/ OCBC 360 or DBs Mulitplier rather than continue with SSB. Have you maxed out to the max sum for each of those accounts ? The current SSB returns are not fantastic and time frames are long.