So you’ve just started working, or perhaps have been working for a few years, and are now looking to get serious on your personal finances. Here is the second post of a multi-part guide to being a financially prudent working adult. In this part, we discuss how to play the credit card game. Other parts of the Working Adult Starter Park:

• Savings and Emergency Funds
• Spending and Credit Cards
• More to come (subscribe to Telegram for updates)

What you need

You need at least $30,000 in annual income as mandated by the powers that be. Anything else are requirements set forth by the bank, such as high SES cards that demand a higher income, or even gender requirements. Some banks are stricter than others, and then you have DBS who allows people to get the DBS Woman’s World Card even if you don’t meet the $80,000 income requirement, nor are a woman to begin with....