最紧要准时付账不要给他们charge你利息的机会。只要认真研究一下credit card的条规，你完全可以尽情享受它的种种优惠。还有一个赖掉annual fee的办法，就是在免费期结束的时候打电话去要求terminate，很多银行都会再免一年的annual fee来留住你，不行的话就假戏真唱，反正总有下一个新卡在街角。
en... last time...
Went abroad and spent quite a lot. In the end, missed the payment deadline due to the billing cycle (overdue just before I returned to Singapore). The interest amounted was quite substantial.
Huasing Association 1999 - 2013