How many credit cards do you hold? I’m certain that most people who hold credit cards have more than one card. The use of credit cards have become part of our lifestyle and in fact, it is absolutely not possible to shop online without one.

Nowadays, banks are offering pre-approved cards - heard about that? That means you get a card without the need to fill in any application form or submission of financial statements. So convenient and easy. Basically, these banks have already had your financial records so pre-approval have made this possible.

Many people have also switched credit cards as banks are offering interest-free balance transfer. This means competition among banks and consumers have more flexibility in payment and spending options. So in your opinion, what would be the best credit cards? What do you look for when getting a new credit card? Privileges? Attractive reward programs or rebate programs? Interest-free balance transfers?

You may laugh at me on this but I tend to be captivated by the design and reward programs. What about you?