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A credit check functions as a point of reference for lenders in confirming the creditworthiness of the borrower. For example you may use one card which has a lower rate of interest which you use to carry any balances and to make large purchases. I suggested he either move out back to his parents place if he can, a relative or friend, he declined. Apart from these individuals, there are also some people who collect points but find insufficient miles to get benefits like a free airplane ticket or a flight class upgradation. OCBC 365 Card is the absolute best everyday card on the market because of its great rates for essentials, lack of merchant restrictions, and easy fee-waiver-features not offered by competitors. You can bargain your way out of some of these charges with a good Credit Score.