Those Pesky Credit Card Annual Fees

Time is central to everything else in this universe.

We have learnt to respect time a little more this year than in past years.

And when it comes to keeping a lookout for credit card's annual fees, and the subsequent process of reversals that would be involved, the savings in time takes precedent over the savings in monetary rebates from credit cards which do not offer outstanding value benefits. 

Because life is busy in every other aspects, it helps too to remove this one bit of hassle.

We keep those cards which do not charge. It's a plus to never have to worry about forgetting to reverse annual fees.  Peace!

Citibank Statements

Now that Citibank is no longer tied up with Tangs, we are thinking of giving up their other credit cards. That would leave us with Citibank-M1 card only.

Reason?

Citibank has the most unattractive monthly statement set in monotonous grayscale that's a pain to read.  Somehow, the presentation reminds of an accounts ledger, and who likes to be reminded that checking through credit card statements is as much a chore as going through bookkeeping sequences?

It gets worse when you have more than one credit card with them.  To make out the head and tail, you have to mark it out on your own.

The other banks are able to produce statements that are way better.

Typically Citibank.

Took us years of feedback to finally see that their log-in no longer has that dreadful on-screen keypad that nobody likes — even if it is for security reasons.

It would probably take us another few years of feedback before we see an improvement in their current statement interface.  We kinda run out of steam - and patience - on this one.

Taken — Cat vanish into thin air

Kinderella, an outdoor cat that calls the compound of an East Coast private block home, has gone mysteriously missing after the new year.

Docile, playful, furry creature, yet inexplicably, there were a rare few who hate the sight of this cat.

No response to missing posters with reward offers, and with 2 other cats also missing at the same time, it appears to be a coordinated wave of catnapping.

What could have happened?
• Cat hater drove it far off where it could never find its way back.
• Crushed by moving vehicle and body dumped.
• Locked accidentally in a garage or some other holding area.
• Adopted. Unlikely because of the cat's strong outdoor instincts.
• Captured for lab tests or for its fluffy fur.  Unlikely.
• Captured by cat-eating homo sapiens? Hopefully not. Horror tales a year ago has died down. 

Neutered cat but it has no ID tag.  Microchip to reunite the cat with its beloved caretakers has not returned the cat to its favorite spot.

Its tough being an urban cat in Singapore.