No more cards...

... except for one, in case of emergencies like booking of air tickets, accommodation online and online shopping :)

Yes, I have decided to terminate all my existing credit cards, except one, simply because I don't find any use in having a lot of cards. I had just returned all my UOB cc, 3 of them, and I felt so relieved. Next, another 3 more from DBS, after I had settled all the outstanding bills.

I think that I have come to a point where these kinds of things doesn't really matter to me anymore. I don't want to be in debt all the time, well, not that I always do. I find paying high subscription fees just to be in debt doesn't sound right. If I had been paying for all my cc's subscription fees, it would amount to some 830 SGD per year. And I'm only talking about those "high class" cards, I have not added in those standard cards. Sure, cc does have its convenience, but why do people need so many? For me, one is enough.

There will be many debts to come: housing loan, renovation loan etc. And the last thing I need is card debts.



"我不是卡奴！"