Received the booklet for credit card rewards 2008. The gift redeemed is quite a nice one. But unfortunately those that targetted are all in the high reward points range items. In fact, all these year I only manage to redeem some dining vouchers.
I seldom charged to my credit card. Reason being I always have a tendency of not fully paying my outstanding balance in my statement. I have a very bad mindset to assume that this is a low interest financing (in fact it is not). In order to ensure that I can fully settled my statement promptly, I seldom bring my credit card along when i do my shopping.
Now I think I wanna restucture my personal finance plan. I planned to charged more on my credit card but subject to my own terms.... full settlement of the monthly statement. Coz.... I wanna redeem 'something'......
The booklet
These are my targets..... backpac and digital camera
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