Recently, I’ve been spending big amount of money – swiping here and there, signing here and there. It’s all because of the renovation work being done in my resale flat, so there’s a lot of one off expenses that I need to settle during this period of time. While the main contract work is paid by cheque (it’ll be excellent if they would accept credit, haha), the rest of the fixtures and furnishings are paid for separately by credit or cash. Hence I need to do some background work on which card to utilize in order to maximize the cash rebates or other benefits dished out by the various cards that I have.

It’s interesting how not too long ago, I had been complaining that the credit card companies are biased against self employed people like me. But I realised that after you’ve proved yourself capable of bearing debts, they will be …