{"id":9614,"date":"2022-03-25T09:52:37","date_gmt":"2022-03-25T09:52:37","guid":{"rendered":"https:\/\/jomsettle.com\/?p=9614"},"modified":"2022-05-10T08:18:33","modified_gmt":"2022-05-10T08:18:33","slug":"earn-more-points-without-spending-more","status":"publish","type":"post","link":"https:\/\/jomsettle.com\/ms\/earn-more-points-without-spending-more\/","title":{"rendered":"Earn More Points without Spending More"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"9614\" class=\"elementor elementor-9614\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5bc539d4 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"5bc539d4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4821274f\" data-id=\"4821274f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-359492 elementor-widget elementor-widget-image\" data-id=\"359492\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1920\" height=\"1080\" src=\"https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/220324-Earn-More-Points-without-Spending-More-v2-1920x1080-1.jpg\" class=\"attachment-full size-full wp-image-9663\" alt=\"\" srcset=\"https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/220324-Earn-More-Points-without-Spending-More-v2-1920x1080-1.jpg 1920w, https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/220324-Earn-More-Points-without-Spending-More-v2-1920x1080-1-300x169.jpg 300w, https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/220324-Earn-More-Points-without-Spending-More-v2-1920x1080-1-1024x576.jpg 1024w, https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/220324-Earn-More-Points-without-Spending-More-v2-1920x1080-1-768x432.jpg 768w, https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/220324-Earn-More-Points-without-Spending-More-v2-1920x1080-1-1536x864.jpg 1536w, https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/220324-Earn-More-Points-without-Spending-More-v2-1920x1080-1-18x10.jpg 18w, https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/220324-Earn-More-Points-without-Spending-More-v2-1920x1080-1-260x146.jpg 260w, https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/220324-Earn-More-Points-without-Spending-More-v2-1920x1080-1-50x28.jpg 50w, https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/220324-Earn-More-Points-without-Spending-More-v2-1920x1080-1-133x75.jpg 133w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-93e01c elementor-hidden-phone elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"93e01c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2eaf5558\" data-id=\"2eaf5558\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-74ed8115 elementor-widget elementor-widget-post-info\" data-id=\"74ed8115\" data-element_type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72d11d00 elementor-widget elementor-widget-theme-page-title\" data-id=\"72d11d00\" data-element_type=\"widget\" data-widget_type=\"theme-page-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c984123 elementor-widget elementor-widget-share-buttons\" data-id=\"6c984123\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b4d9c86 elementor-widget elementor-widget-spacer\" data-id=\"5b4d9c86\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e11e4ad elementor-widget elementor-widget-text-editor\" data-id=\"e11e4ad\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Credit card company reward points offered some of the finest deals, from air miles, home appliances to smart devices, or even gift cards. However, to redeem these amazing deals comes with constraints.<\/p><p>You required a substantial amount of points and to earn points, you need to spend using your credit card.<\/p><p>Unfortunately, not all recipients accept credit card payments. With jomSETTLE however, you can make full use of your credit card by paying all your monthly essential bills that do not accept credit cards. (eg. rent, loan, mortgage, hire purchase, supplier invoice, freelancer fee)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15e36f9 elementor-widget elementor-widget-image\" data-id=\"15e36f9\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/Earn-More-Points-without-Spending-More-Diagram-1024x576.jpg\" class=\"attachment-large size-large wp-image-9651\" alt=\"How jomsettle works\" srcset=\"https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/Earn-More-Points-without-Spending-More-Diagram-1024x576.jpg 1024w, https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/Earn-More-Points-without-Spending-More-Diagram-300x169.jpg 300w, https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/Earn-More-Points-without-Spending-More-Diagram-768x432.jpg 768w, https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/Earn-More-Points-without-Spending-More-Diagram-1536x864.jpg 1536w, https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/Earn-More-Points-without-Spending-More-Diagram-18x10.jpg 18w, https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/Earn-More-Points-without-Spending-More-Diagram-260x146.jpg 260w, https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/Earn-More-Points-without-Spending-More-Diagram-50x28.jpg 50w, https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/Earn-More-Points-without-Spending-More-Diagram-133x75.jpg 133w, https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/Earn-More-Points-without-Spending-More-Diagram.jpg 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a4701b2 elementor-widget elementor-widget-heading\" data-id=\"6a4701b2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><p class=\"text-black\" style=\"font-size: 36px;font-weight: 700;line-height: 1.2em !important;margin-bottom: 1px;margin-top: 5px\">How do you earn more points without spending more?<\/p><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69485196 elementor-widget elementor-widget-text-editor\" data-id=\"69485196\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Let me give you an example, assuming you earn 1 point for every RM1 spend on your credit card. Each month, you have to pay a total bill of RM6,000 that consists of rent, loan, hire purchase, petrol, and food.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-8dfa959 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8dfa959\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-9d15237\" data-id=\"9d15237\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e114b1e elementor-widget elementor-widget-text-editor\" data-id=\"e114b1e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong><span data-preserver-spaces=\"true\">Scenario 1 &#8211; Without jomSETTLE<\/span><\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b0299f9 elementor-widget elementor-widget-text-editor\" data-id=\"b0299f9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Your payment is split into two forms, cash and credit card. You pay your rent, loan, and hire purchase using cash (RM4,500). You then settled all your petrol and food expenses (RM1,500) by credit card. Every month, you spend a total of RM6,000 earning only 1,500 points.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-22dfca8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"22dfca8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-90be386\" data-id=\"90be386\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-639955a elementor-widget elementor-widget-text-editor\" data-id=\"639955a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong><span data-preserver-spaces=\"true\">Scenario 2 &#8211; With jomSETTLE<\/span><\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5056274 elementor-widget elementor-widget-text-editor\" data-id=\"5056274\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>With jomSETTLE, you can move your rent, loan, and hire purchase (RM4,500) to your credit card. Together with your petrol and expenses (RM1,500), you still spend a total of RM6,000 but earned a total of 6,000 points per month, 4,500 points more compared to scenario 1.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-8009249 elementor-widget elementor-widget-text-editor\" data-id=\"8009249\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>As you can see from the example given, you are spending the same amount for Scenario 1 and 2 but you earned 4,500 points more per month (that&#8217;s 54,000 points per year) in scenario 2 when you start paying your monthly expenses with your credit card.<\/p><p>Apart from that, you also get to reserve your cash in hand longer in scenario 2 as you pay first using your credit card. As long as you manage your finances accordingly by repaying your credit card on time, it will also increase your credit limit and your ability to get a loan in the future. You can learn more about building credit scores <span style=\"color: #f05338;\"><a style=\"color: #f05338;\" href=\"https:\/\/jomsettle.com\/ms\/2020\/09\/18\/4-easy-ways-to-build-good-credit-score\/\"><span style=\"text-decoration: underline;\"><strong>here<\/strong><\/span><\/a><\/span>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-af5402c elementor-widget elementor-widget-heading\" data-id=\"af5402c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><p class=\"text-black\" style=\"font-size: 36px;font-weight: 700;line-height: 1.2em !important;margin-bottom: 1px;margin-top: 5px\">Conclusion<\/p><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6cdde9d elementor-widget elementor-widget-text-editor\" data-id=\"6cdde9d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you are still making your payment based on scenario 1, you need to start to explore the method used in scenario 2.<\/p><p>You don&#8217;t have to do it now, you can go back, plan your finances before you make a decision. You can even start by moving a portion of your cash payment to your credit card first and adjusting slowly from there to find your comfortable method. Just remember, everyone manages their finances in their own way, there are no right or wrong, most importantly is that you are comfortable with your method.<\/p><p>You can learn more about jomSETTLE <strong><span style=\"text-decoration: underline;\"><span style=\"color: #f05338; text-decoration: underline;\"><a style=\"color: #f05338; text-decoration: underline;\" href=\"https:\/\/jomsettle.com\/ms\/\">here<\/a><\/span><\/span><\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5510150a elementor-widget elementor-widget-spacer\" data-id=\"5510150a\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1b0093d7\" data-id=\"1b0093d7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c97912a elementor-widget elementor-widget-spacer\" data-id=\"c97912a\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3d38518c elementor-hidden-phone elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3d38518c\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-21fcd2ec\" data-id=\"21fcd2ec\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-30e61993 elementor-widget elementor-widget-spacer\" data-id=\"30e61993\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71b981b5 elementor-absolute elementor-widget elementor-widget-image\" data-id=\"71b981b5\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1080\" height=\"1080\" src=\"https:\/\/jomsettle.com\/wp-content\/uploads\/2021\/10\/Blog-Logo.svg\" class=\"attachment-full size-full wp-image-6532\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11766970 elementor-widget elementor-widget-heading\" data-id=\"11766970\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Let's Stay in Touch<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ac85cc5 elementor-widget elementor-widget-text-editor\" data-id=\"7ac85cc5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Get updates on our latest articles<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ea21d47 elementor-widget elementor-widget-form\" data-id=\"1ea21d47\" data-element_type=\"widget\" data-widget_type=\"form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d672bf2 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7d672bf2\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-349e11c9 elementor-widget elementor-widget-share-buttons\" data-id=\"349e11c9\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24ca332e elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"24ca332e\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7cf4344c\" data-id=\"7cf4344c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-627a9c2a elementor-widget elementor-widget-spacer\" data-id=\"627a9c2a\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2baab14e elementor-hidden-phone elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2baab14e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6ed58b06\" data-id=\"6ed58b06\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5d0388da elementor-widget elementor-widget-heading\" data-id=\"5d0388da\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><p style=\"font-size: 30px;font-weight: 700;line-height: 1.2em !important;margin-bottom: 14px;margin-top: 14px\">You May Also Like<\/p>\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b0627cd elementor-widget elementor-widget-posts\" data-id=\"1b0627cd\" data-element_type=\"widget\" data-widget_type=\"posts.cards\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69e43cf5 elementor-widget 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elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9d86bbb elementor-widget elementor-widget-share-buttons\" data-id=\"9d86bbb\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e7c30c5 elementor-widget elementor-widget-spacer\" data-id=\"2e7c30c5\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-55356e12 elementor-widget elementor-widget-text-editor\" data-id=\"55356e12\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Credit card company reward points offered some of the finest deals, from air miles, home appliances to smart devices, or even gift cards. However, to redeem these amazing deals comes with constraints.<\/p><p>You required a substantial amount of points and to earn points, you need to spend using your credit card.<\/p><p>Unfortunately, not all recipients accept credit card payments. With jomSETTLE however, you can make full use of your credit card by paying all your monthly essential bills that do not accept credit cards. (eg. rent, loan, mortgage, hire purchase, supplier invoice, freelancer fee)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f430d6b elementor-widget elementor-widget-image\" data-id=\"f430d6b\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/Earn-More-Points-without-Spending-More-Diagram-1024x576.jpg\" class=\"attachment-large size-large wp-image-9651\" alt=\"How jomsettle works\" srcset=\"https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/Earn-More-Points-without-Spending-More-Diagram-1024x576.jpg 1024w, https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/Earn-More-Points-without-Spending-More-Diagram-300x169.jpg 300w, https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/Earn-More-Points-without-Spending-More-Diagram-768x432.jpg 768w, https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/Earn-More-Points-without-Spending-More-Diagram-1536x864.jpg 1536w, https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/Earn-More-Points-without-Spending-More-Diagram-18x10.jpg 18w, https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/Earn-More-Points-without-Spending-More-Diagram-260x146.jpg 260w, https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/Earn-More-Points-without-Spending-More-Diagram-50x28.jpg 50w, https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/Earn-More-Points-without-Spending-More-Diagram-133x75.jpg 133w, https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/Earn-More-Points-without-Spending-More-Diagram.jpg 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71144a0e elementor-widget elementor-widget-heading\" data-id=\"71144a0e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><p class=\"text-black\" style=\"font-size: 28px;font-weight: 700;line-height: 1.2em !important;margin-bottom: 1px;margin-top: 5px\">How do you earn more points without spending more?<\/p><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11f0451b elementor-widget elementor-widget-text-editor\" data-id=\"11f0451b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tLet me give you an example, assuming you earn 1 point for every RM1 spend on your credit card. Each month, you have to pay a total bill of RM6,000 that consists of rent, loan, hire purchase, petrol, and food.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7b039e4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7b039e4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-97274cc\" data-id=\"97274cc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8383e8d elementor-widget elementor-widget-text-editor\" data-id=\"8383e8d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong>Scenario 1 &#8211; Without jomSETTLE<\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3dc5185 elementor-widget elementor-widget-text-editor\" data-id=\"3dc5185\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-size: 16px; font-weight: 500; line-height: 1.4em !important;\">Your payment is split into two forms, cash and credit card. You pay your rent, loan, and hire purchase using cash (RM4,500). You then settled all your petrol and food expenses (RM1,500) by credit card. Every month, you spend a total of RM6,000 earning only 1,500 points.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-8516086 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8516086\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-41966cb\" data-id=\"41966cb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d855f03 elementor-widget elementor-widget-text-editor\" data-id=\"d855f03\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong>Scenario 2 &#8211; With jomSETTLE<\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a0bb087 elementor-widget elementor-widget-text-editor\" data-id=\"a0bb087\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-size: 16px; font-weight: 500; line-height: 1.4em !important;\">With jomSETTLE, you can move your rent, loan, and hire purchase (RM4,500) to your credit card. Together with your petrol and expenses (RM1,500), you still spend a total of RM6,000 but earned a total of 6,000 points per month, 4,500 points more compared to scenario 1.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-32bcd31 elementor-widget elementor-widget-text-editor\" data-id=\"32bcd31\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>As you can see from the example given, you are spending the same amount for Scenario 1 and 2 but you earned 4,500 points more per month (that&#8217;s 54,000 points per year) in scenario 2 when you start paying your monthly expenses with your credit card.<\/p><p>Apart from that, you also get to reserve your cash in hand longer in scenario 2 as you pay first using your credit card. As long as you manage your finances accordingly by repaying your credit card on time, it will also increase your credit limit and your ability to get a loan in the future. You can learn more about building credit scores <span style=\"color: #f05338;\"><a style=\"color: #f05338;\" href=\"https:\/\/jomsettle.com\/ms\/2020\/09\/18\/4-easy-ways-to-build-good-credit-score\/\"><span style=\"text-decoration: underline;\"><strong>here<\/strong><\/span><\/a><\/span>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a163bcc elementor-widget elementor-widget-heading\" data-id=\"a163bcc\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><p class=\"text-black\" style=\"font-size: 28px;font-weight: 700;line-height: 1.2em !important;margin-bottom: 1px;margin-top: 5px\">Conclusion<\/p><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dbe6374 elementor-widget elementor-widget-text-editor\" data-id=\"dbe6374\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you are still making your payment based on scenario 1, you need to start to explore the method used in scenario 2.<\/p><p>You don&#8217;t have to do it now, you can go back, plan your finances before you make a decision. You can even start by moving a portion of your cash payment to your credit card first and adjusting slowly from there to find your comfortable method. Just remember, everyone manages their finances in their own way, there are no right or wrong, most importantly is that you are comfortable with your method.<\/p><p>You can learn more about jomSETTLE <a href=\"https:\/\/jomsettle.com\/ms\/\"><strong><span style=\"text-decoration: underline; color: #f05338;\">here<\/span><\/strong><\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b3b858c elementor-widget elementor-widget-spacer\" data-id=\"4b3b858c\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1a766056 elementor-hidden-desktop elementor-hidden-tablet elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1a766056\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-701c1c8a\" data-id=\"701c1c8a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2f400787 elementor-widget elementor-widget-spacer\" data-id=\"2f400787\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div 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data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10160cf9 elementor-widget elementor-widget-heading\" data-id=\"10160cf9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><p style=\"font-size: 22px;font-weight: 600;line-height: 1.2em !important;margin-bottom: 4px;margin-top: 4px\">You May Also Like<\/p>\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-41ef052b elementor-widget elementor-widget-posts\" data-id=\"41ef052b\" data-element_type=\"widget\" data-widget_type=\"posts.cards\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ca98cad elementor-widget elementor-widget-spacer\" data-id=\"4ca98cad\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Credit card company reward points offered some of the finest deals, from air miles, home appliances to smart devices, or even gift cards. However, to redeem these amazing deals comes with constraints.<\/p>","protected":false},"author":4,"featured_media":9662,"comment_status":"closed","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"footnotes":""},"categories":[67,62],"tags":[],"class_list":["post-9614","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-article","category-credit-card"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Earn More Points without Spending More | jomSETTLE\u2122<\/title>\n<meta name=\"description\" content=\"Credit card company reward points offered some of the finest deals, from air miles, home appliances to smart devices, or even gift cards.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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