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[Music] So, I just came back from the Seedly Personal Finance Festival where I was on stage with Milelion and Sethisfy talking about credit cards. And it dawned upon me that I may have missed out on some points that I forgot to deliver during that event. And today, I want to talk about the UOB Trifecta, or what we call the UOB Triple Credit Card Strategy for maximizing your miles. Because I fully understand that some of you may be really new to the miles game, youve just switched from cashback, and you dont want to manage so many banks, right? Like Citibank, HSBC, UOB, DBSso many bank credit cards. What if you could just stick to one bank? Then I would say that sticking with UOB may be the more preferred option. And note that Im not sponsored by UOB to do this video. Anyway, Im just sharing what is the best practice out there. Now, the real benefit of this UOB Trifecta strategy is that you just deal with one bank. You dont need to manage multiple bank