While credit card is the main topic but there are a lot of related sub-topics under it. For instance, Balance Transfer, OCBC Merchants 1%, 5%, CC GST which has been repeatedly asked in the thread but since the thread is so large (and many readers are lazy to traverse) the information quickly get lost.

A well defined sub-thread will be useful to categorize the information in details and readers getting what they want quickly.

Oh yes ... I'd prefer debit cards not to be bundled in. Although many people can't tell the difference between credit card and debit card!