I had my first credit card last year and the first bill shocked me. I didn’t realise I have spent that much. As each transaction is not deducted immediately from my account, it makes me feel that my expenses is low along the month. (Without proper tracking of expenses of course.) Ever since, each time I charged a transaction to my credit card, I will transfer the exact amount to my DBS PayLah immediately. (Not accounting for the cashback I will earn.) And when my credit card bill is due for payment, I will transfer all the money in my DBS PayLah to my account and pay off the bill. As the bill amount will definitely be lesser than what I have transferred in total due to the cashback earned, I will treat the differences as an additional savings I have every month. This method has worked very well for me for the past few months and it’s not longer painful each time I have to pay for my credit card bills. To me, it is to treat the credit card like a debit card (transferring away what is charged to your credit card immediately to prevent overspending) but yet gaining the credit card benefits (earning cash backs & getting higher bank interest for DBS multiplier.) Hope that some of you might find this tip useful and handy.