Last year, I also did cleaned up my finances for the New Year. This year is no exception either and it's a good habit to get rid of unwanted things every year. Due to recent changes to the FRANK card where they require minimum spending of $400 for offline transaction, I cancelled it this year. I only started using it in 2014 so I am sad that I have to cut away the nice jelly bean card. There is no point keeping it since I will not be using it any more. Obviously I still have my OCBC 365 card so as to accumulate interests for my OCBC 360 account. Last year I cancelled my Citibank Dividends card. This year I cancelled my Standard Chartered Manhattan card. It used to be a good card for big purchases where you can get 5% rebates for a $2000 to $5000 bill. It's the go-to-card for renovation, weddings ......