Keep dreaming, it's the only way to go

I got credit cards once my salary allowed me to (which I don’t recommend because you sort of miss out on the first-timer promos if you have nothing much to spend on), so I’m here to share some experience. I did my fair share of research using finance websites such as moneysmart, singsaver etc, and this is my very own simplified version; finance websites are very complete and thorough, but sometimes because they compare just too many cards, it gets a bit difficult to finally make the decision...(But I do recommend you read them too because they are still really useful.) So here comes the disclaimer: I am NOT a financial advisor. I just want to share my experience and help others avoid the mistakes I did. Actually the aim is to get EVERY card that suits your lifestyle, not just one or two. But when you get those cards, try to get the welcome gifts as well. Because once you sign up for one bank’s card, you won’t be able to get the welcome gift for a different card from the same bank. Some

Getting our LTVP was pretty stress free, everything went smoothly, maybe except for the medical cert because the doctor's stamp was in hindi and not that clear, and the doctor's handwriting was as usual, atrocious. But ICA handled it pretty well anyway and we got the LTVP. Slightly more than half a year passes and I applied for the UOB One credit card and a supp card for my hubby. (Because there were cashback promos!) But because there were less than 6 months left on my hubby's LTVP, UOB didn't want to give us the supp card. (Tsk UOB.) And they specially called me to explain. AND they were so *helpful* to tell me that we can apply for the LTVP earlier because they will just add the remaining duration to the new card. Thanks but no thanks, because this info was wrong. (Double tsk UOB.) The remaining duration DOES NOT get added to the new card. So even though our first card expires in Sept 2020, our new card expires in June 2021 because we made our appointment in June 2