Credit
How on-time payments affect credit score—and why it's not enough
If you’re carrying a credit card balance in 2025, you’re not alone. Americans now hold $1.18 trillion in credit card debt—near record levels....
How much does the average American spend on their credit cards?
Credit card debt has become an increasingly significant financial burden for many Americans. As inflation, rising interest rates, and economic uncertainty continue to...
The pros and cons of paying rent and bills with a credit card
The convenience of credit cards has extended to various aspects of our financial lives, including paying rent and bills. While this option offers...
Credit card payment security for small businesses
If you run a small business, whether online or in a physical location, accepting credit cards is likely non-negotiable. It’s convenient for customers...
What to do—and not do—with your credit card
A credit card is one of the most common financial tools available, but it’s also one of the most misunderstood. Many people think...
Cross-border payments are faster—so why do they still feel broken?
It’s 2025, and we still haven’t solved cross-border payments. Sure, it’s easier than it was 10 years ago to buy something online from...
How credit cards work for retirees in Singapore
For retirees in Singapore, access to credit does not automatically end the moment a regular paycheck stops. But the framework does shift—quietly, and...
Why purpose-driven private credit in ASEAN is more than just yield
Private credit—traditionally viewed as a niche investment strategy for sophisticated global investors—has undergone a quiet but significant transformation in Southeast Asia. No longer...
Things you should avoid paying for with a credit card
For many Singaporeans, credit cards feel like a financial lifeline. They offer ease at checkout, rewards on spending, and the flexibility to delay...
How to pay off credit card debt in Singapore quickly
Getting your first credit card feels like a rite of passage. For many in Singapore, it marks newfound independence—a tool for convenience, flexibility,...
Singapore Airlines lie-flat business class now on every route
In global aviation, consistency is rare. Premium experiences are often limited to marquee routes and aircraft, while regional legs serve as placeholders—functional but...
Ready for your first credit card? Here’s what every college student should know
Not all credit cards are created equal—and for college students, that’s a good thing. The right kind of credit card can act as...
How Buy Now Pay Later affects your credit score
It used to feel like a loophole. You’d split a $120 purchase into four $30 payments using Klarna, Afterpay, or Zip. There were...
Credit cards aren’t the problem—but your behavior is
Credit cards have become an everyday financial tool across Singapore, the UAE, and most urbanized markets. They offer points, perks, and payment flexibility...
When to apply for a credit card—and when to wait
Applying for a credit card isn’t just about getting another way to pay for things. It’s about taking on a financial product with...
Premium credit card costs rise—here’s what’s changing
Singapore’s ultra-premium credit card market is shifting again. In recent months, several major issuers have revised their fee structures—quietly, in some cases, and...
Cash or credit? Weighing the trade-offs in Singapore
As Singaporeans return to pre-pandemic routines—travel, dining out, and retail therapy—one everyday decision quietly shapes our financial habits: whether to pay with a...
The hidden risks of credit card cycling
Let’s say you’ve got a $2,500 credit card limit, and you’ve just spent close to that booking a flight and prepaying for a...
What every miles chaser should know
For many Singaporeans, miles cards are a savvy way to earn travel rewards from everyday spending. But there’s a common oversight even seasoned...
Tiny home investment strategy with VA and VLB loans
Manny Reyna didn’t walk into his first tiny home deal with a plan. He walked in with $12,000, a VA loan, and the...
How to choose the best bank for checking and savings accounts
Choosing the best bank for checking and savings accounts isn't a once-and-done decision. Your needs change—so should your bank. That’s why switching institutions...
How Buy Now Pay Later really works
[SINGAPORE] From fashion to furniture, Buy Now, Pay Later (BNPL) options have become a default feature on online checkouts. With the promise of...
The credit score illusion is hurting American households
[UNITED STATES] Americans are drowning in credit card debt — $1.18 trillion as of Q1 2025 — yet many still cling to the...
Why Singapore’s debt stigma misses the real risk
[SINGAPORE] In Singapore, a 25-year-old’s anxious Reddit post about S$50,000 in debt and a plummeting credit score struck a chord with thousands. “Scared...
Why Buy Now, Pay Later deserves a second look
[SINGAPORE] Buy Now, Pay Later (BNPL) services have transformed online shopping, promising the instant gratification of purchases split into interest-free installments. From sneakers...
Credit card reward expiry in Singapore
[SINGAPORE] Have you ever wondered why your hard-earned credit card points or air miles suddenly vanished, or found yourself confused by the maze...
How rent reporting helps build credit
[UNITED STATES] Housing is the largest expense most Americans face, but for millions, the real hurdle to homeownership isn’t just saving up —...
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The true cost of carrying credit card debt
[UNITED STATES] Credit card debt is a growing concern for millions of Americans, with average balances rising and interest rates hovering near record...
Bank account bonus essentials
[UNITED STATES] Are you tempted by those emails promising hundreds—or even thousands—of dollars just for opening a new bank account? Bank account bonuses...
Having a credit card is not an excuse to overspend
[WORLD] It’s surprisingly easy to convince yourself that you're not actually spending real money when making purchases with a credit card. And technically,...
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Navigating the credit card rewards landscape
[UNITED STATES] For a certain segment of Americans, credit card rewards aren't just a perk—they’re a way of life. The niche economy built...
Should you apply for a credit card?
[SINGAPORE] Considering applying for a credit card? It’s a decision that deserves careful thought. Before submitting that application, take a moment to evaluate...
Credit card mistakes that cost you more
[UNITED STATES] Carrying a balance on your credit card may seem like a manageable financial habit, but it could be costing you more...
Hidden credit card costs in Singapore
[SINGAPORE] You might not always have enough cash on hand, but swiping your credit card can give you the flexibility to afford bigger...
Rising AI cyber threats challenge Singapore’s financial sector
[SINGAPORE] Generative artificial intelligence (AI) is fuelling a new wave of fraud and scams, posing one of the most pressing cyber threats to...
Moody’s downgrade raises U.S. borrowing costs
[UNITED STATES] Moody’s recent downgrade of the U.S. credit rating may carry significant financial consequences for American consumers, according to market analysts. The...
Singapore’s cash or card dilemma
[SINGAPORE] As Singapore rapidly transitions toward a cashless society, the debate between using cash and credit cards remains relevant for consumers. While digital...
Why airline miles are losing value
[UNITED STATES] Frequent flyers are increasingly noticing that their hard-earned miles aren't stretching as far as they used to. This phenomenon, known as...
How airlines become 'credit card corporations with wings'
[UNITED STATES] As airlines face rising fuel costs, increased competition, and fluctuating passenger demand, many are diversifying their business strategies—shifting from traditional flight...
Why minimum payments hurt your credit card debt
[SINGAPORE] In a society that thrives on consumer spending and credit availability, millions of people use credit cards as an essential tool for...
Why debit cards are the smarter choice
[WORLD] Choosing between a debit and a credit card can significantly impact your budgeting, spending habits, and overall financial health. While credit cards...
Why your debit card might be declined
[UNITED STATES] If you've ever experienced the frustration of a debit card being declined even though your account has sufficient funds, you're not...
Proven strategies to maximize your credit card rewards
[WORLD] As more consumers turn to credit cards for everyday purchases, maximizing rewards has become an essential strategy for savvy shoppers. Whether you’re...
Credit cards get more expensive amid rising rates
[UNITED STATES] As inflation continues to pressurize household budgets, consumers are facing another financial burden: the rising cost of using credit cards. With...
Buy Now, Pay Later takes over Coachella as festival costs soar
[UNITED STATES] As Coachella 2025 unfolds under the scorching desert sun, a notable trend is emerging among festivalgoers: the widespread adoption of 'Buy...
Can business credit cards affect your personal credit?
[UNITED STATES] While business credit cards offer numerous advantages for entrepreneurs, including separating personal and business expenses, they can also influence your personal...
Practical tips on reducing credit card debt
[UNITED STATES] In a world where mounting credit card debt has become a financial burden for millions, renowned personal finance expert Suze Orman...
Americans struggle with rising credit card debt as interest rates exceed 20%
[UNITED STATES] A new report from the Federal Reserve reveals troubling financial trends for U.S. consumers, with over 60% of Americans currently carrying...
BNPL purchases now impact your credit report
[UNITED STATES] Credit reporting agencies are now including “Buy Now, Pay Later” (BNPL) purchases in credit reports, offering a new level of transparency...
Rising trend in self-declared bankruptcy cases
[WORLD] In recent years, the world of finance has seen significant shifts, especially concerning personal bankruptcies. A notable development that has garnered attention...
Millions of student borrowers risk credit score drops
[UNITED STATES] The resumption of federal student loan payments has ushered in a challenging era for millions of borrowers, with significant implications for...
How credit card rewards are shaping the future of travel decisions
[UNITED STATES] In today’s evolving world, where travel has become an essential part of both leisure and business, people are increasingly looking for...
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