Dear American Express, Citibank, DBS, HSBC, OCBC, Standard Chartered, and UOB,
Thank you for the great deals, promotional gifts, rewards, cashbacks, referrals, discounts, annual fee waivers, late fee waivers, and easy credit.
Unfortunately, age is catching up, and we don't have the mental tenacity to track, monitor and meticulously exploit everything you have to offer. It's not you, it's us. Although we might lose out, the freedom from managing less, is in our opinion, an acceptable price to pay.
Until next time.
