Anonymous

26 Jun 2021

∙

Am I losing out if I choose not to have any credit cards? I'm a fresh grad, but still living with my parents. I don't spend much, so I don't think I can hit the minimum spending for certain rebates?

But loads of people say that you should just apply and reap the benefits of each one... Isn't it very stressful to manage so many cards?

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Victor

26 Jun 2021

Financial Service Consultant at AIA

Credit cards create credit scores which are useful in the future

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Jiayee

13 Nov 2020

Salaryman at some company

It shouldn't be too stressful if you set up automatic bill payment. Just be sure that you spend what you can afford.

As for the perks, rewards and suitable cards for you, ZY has them listed.

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ZY

13 Nov 2020

Yes, you are losing out.

Different cards have different benefits, and if your monthly expenditure i...

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