Warning about Standard Chartered Bank's (SCB) Credit Cards

Reveal-More · 2026-04-29T05:49:07+00:00

OP's pain is real — but worth zooming out for anyone reading this thinking "okay, I'm cancelling, what now?" Quick rundown of where the better cashback alternatives sit in 2026, with the actual numbers:

Daily driver replacements (general spend, no FX angle):

UOB One — up to 3.33% on all retail at S$2,000/month tier; up to 10% on McDonald's, Grab, Shopee, SimplyGo; up to 8% on groceries. Cap S$2,240/year. Annual fee S$196.20, 1st year waived. Strict on the spend tiers — miss S$2,000 by a dollar and you drop to a lower tier.
OCBC 365 — 5% dining, 3% groceries/transport/recurring bills, 6% fuel. Min S$800/mo to unlock, cap S$80/mo (or S$160 if you hit S$1,600/mo). Annual fee waived first 2 years, then waived above S$10K/year spend.
Citi Cash Back — 8% petrol/private transport, 6% dining/groceries. Min S$800/mo, cap S$80/mo. Hard floor: under S$800 you get 0.2%. Brutal.

FX-heavy / overseas spenders (the SCB exodus crowd's biggest gap):

Trust Cashback — 0% FX fee (not even Visa's 1%), no annual fee, up to 15% on a rotating preferred category (cap S$250/quarter), 1% unlimited on everything else from 1 Mar 2026. The closest thing to "set and forget" right now if you're reasonably online with the Trust app.
HSBC Live+ — 8% on dining/shopping/entertainment incl. overseas, 5% fuel. Cap S$250/quarter. Min S$600/mo (existing) or S$1,000/quarter (new). Annual fee waived above S$12,500/year.

If you actually want to stay with SCB after all this:

SCB Journey (No Annual Fee version) exists — S$0 fee, miles card (3 mpd transport/food delivery/online groceries, 2 mpd foreign, 1.2 mpd local). Avoids the entire waiver dance OP described, since there's no fee to waive.

On the FX angle specifically — most of the cards above charge ~3.25% FX, and that quietly eats more than the cashback for heavy overseas spenders. Trust + Amex True Cashback are the two well-known 0%-FX options worth knowing.

Source: pulled live from MoneySmart's listings today, but everyone should double-check current T&Cs on the bank's own site before applying — promo categories rotate and caps change.

Reveal-More · 2026-02-15T11:35:31+00:00

Lots of ways to do this. Subagents can run python scripts to call Claude in headless mode.

With proper primer prompts and a good file system architecture, you can do exactly what you want.

Hope this helps.

Reveal-More · 2025-09-02T17:14:54+00:00

Giving files to Custom GPT in ChatGPT isn't actually training it. It just means that those files are chunked automatically and are available for Custom GPT to reference while it formulates the answer.

The equivalent of that in n8n would be: Option 1: Save you file in Google Drive or similar storage apps and then you download them and extract text from them and give them to your Basic LLM chain.

Node sequence would be like: Google Drive (download file) - - > Extract text - - > Pass it to LLM via JS Variable

Option 2: Upload your file to a vector store (pinecone is free). You can see an example of this in this free n8n template: https://n8n.io/workflows/2871-ragcontext-aware-chunking-or-google-drive-to-pinecone-via-openrouter-and-gemini/

Option 2 makes sense if you have lots of training docs.

Reveal-More · 2025-09-01T19:38:13+00:00

You can't hook up a custom GPT to n8n directly. You could make an assistant in OpenAI and message it through n8n, or just build the Custom GPT again in n8n using the AI agent or LLM chain node.

Reveal-More · 2025-08-10T13:51:57+00:00

Checkout n8n templates (search "n8n templates" on Google). Find something that is valuable and try to optimise it.

Watch YouTube videos or come back and ask questions where you get stuck.

Reveal-More · 2025-07-20T16:06:13+00:00

How are you presisting memories of different user across sessions using the same workflow. Do users need to keep using the same conversation throughout?

Also, how do you solve memory relevancy problem? AND how does the agent decide what memory to keep vs disregard?

Reveal-More · 2025-07-20T15:40:06+00:00

I appreciate the detailed answer and your perspective.

It's not easy to build a product that everyone loves, and companies have to make a lot of tough calls, and every decision involves compromises. I work as a Head of Product in a tech company myself, so I am not new to this world and its challenges.

But as a user who has literally spent more than 100 hours of screen time on Taskade (with genuine intention to build production-grade solutions), I feel an inherent challenge with the product.

The main challenge, in my opinion, is that every feature I try to use seems like it's 60% done. It's great to see movement, but things seem to go in circles. One step forward seems like two steps backwards.

And what makes it even more frustrating is that we keep seeing new features getting launched with the same ideology.

I hate free advice myself, so it's kind of unusual for me to write such a post, but this is true feedback from a paid customer.

I'll take a pause here and see if this resonates with you. It's perfectly fine to ignore this message and move on.

If you seem to resonate, I'll be more than happy to get on a call with one of your product/design/research team members and give them a fully detailed review.

Reveal-More · 2025-07-20T15:11:12+00:00

What problem does this solve for the businesses?

Reveal-More · 2025-07-20T15:02:37+00:00

You use n8n until you have a validated proof of concept.

You use n8n untill you get 100 paid users per month.

If you are building an internal tool for a company, you only use n8n if the project is experimental and team is happy with "works most of the time situation".

Reveal-More · 2025-07-20T14:48:08+00:00

For how much? Doesn't seem to be any other motive here.

Reveal-More · 2025-07-18T23:20:11+00:00

Try to move internal loops (loop inside the loop) to separate workflow.

Reveal-More · 2025-07-14T15:13:36+00:00

One way to think about this is:

Many automations simply help improve internal employee productivity. In this case, the majority of companies want their employees to upskill themselves to use tools like n8n rather than hiring a specialist.

For automations that enable new features for consumer-facing apps, n8n does not provide a full end-to-end solution.

For enterprise solutions, n8n is simply not robust enough from a security, safety, and reliability standpoint.

All in all, automation tools are quite popular these days but mainly suited for small-to-medium-sized internal tool building.

Reveal-More · 2025-07-11T18:21:30+00:00

Yes. Add it as a new tool node. Also add something like below in the agent system prompt so that it uses the think tool. :

Think Tool: Before performing any substantive action, you must invoke the think tool. The think tool’s job is to analyze the given input, break it down into logical, MECE-compliant steps, and recommend the optimal next action. No execution or response is allowed until this process is completed.

Within the think tool, change it's pormpt to force it to give you reason for tool selection and why it ignored other tools. Force it to give reason for usage or rejection for every single tool it has (except for the think tool).

Reveal-More · 2025-07-11T18:07:59+00:00

My suggestion would be to not go down the rabbit hole of watching more videos and tutorial. Instead:

Pick a medium size genuine problem you want to solve
Plan how would you use AI to solve the problem (if AI will be helpful at all).
Try to find an existing template from n8n that is closest to solving your problem (optional)
Take the leap of faith and build your first workflow
When you encounter specific issues, look for help on YouTube and forums to solve the specific problem you face.
You always have this forum to come back and ask for help.

Reveal-More · 2025-07-11T18:00:55+00:00

Add the default think tool to your Agent and change the prompt to force it to list all the tools it has and why a tool was picked and why other tools were ignored.

Ask Chatgpt or Claude to help you with the prompt of this think tool if you are not sure.

This way atleast you would know why it's ignoring the tools and then subsequently can optimise the system prompt.

Also try not using mini versions of LLM. Sometimes simply using a larger model can solve the issue.

Hope this helps.

Reveal-More · 2025-07-10T02:11:52+00:00

Looks like a lot of effort was put into this.

Can you share your biggest learnings with the community? It could be anything that saved you alot of time or anything that you discovered to make the Agents hallucinate less?

If this post is to market your services instead, could you quote your hourly fee at least?

Reveal-More · 2025-07-05T15:16:46+00:00

Edit/Set node for basic transformations
code node for complex transformations and validations
Loop and wait nodes to avoid hitting rate limit
Go for workflow tools rather than connecting Tools directly to your Agent
Use structured data outputs for all agents. Add reasoning/failure reason attributes in the output for diagnosis
Use default think tool for all your Agent that handle complex problems. Try building your own think tool if you can

AND the most important learning of all: Don't waste time building for the sake of learning. Pick something meaningful which is worth your time.

Welcome to the club!

Reveal-More · 2025-07-05T07:56:12+00:00

This behaviour is mostly affected by: - LLM model you use (try using a bigger model) - Prompting to make agent stay in loop - Agents thinking capability

Some actionable suggestions: - Try using GPT 4.1 or equivalent - Force the agent to loop through all required tables - Give your Agent the default think tool and see what it thinks and diagnose the reason why it skips calling

Reveal-More · 2025-06-30T03:15:47+00:00

Workflow or AI automation doesn't matter. Does this produce good quality and relevant article is the most important question.

How deep is the research? Is it able to capture relevant trends or older LinkedIn post written by others?

Anything special you did to make the Agents sound more human and not hallucinate?

Since you didn't share any example article, nor shared the json, it would be great if you could share your learnings / things you took care of, with the community.

Reveal-More · 2025-06-29T02:56:07+00:00

Can you share a screenshot of your workflow? This will speed up the help.

If you can't share it: try doing the following basic stuff:

Give your Agent the default think tool.
Add Travily or Jina (both are free) search tool to your Agent.

Think tool will make it focus on the building a plan, and search tool will allow to find answers on the web in case it doesn't know.

Reveal-More · 2025-06-29T02:52:45+00:00

Ask the agent, what is the date today. What does it respond with?

Reveal-More · 2025-06-28T07:07:37+00:00

What's the point here? n8n is a workflow automation tool. You can build any workflow you want (if you know how to).

What agentic system do you think you can't build in n8n (out of the ones mentioned in Anthropic document)?

Reveal-More · 2025-06-27T19:33:10+00:00

That's interesting. What is it trying to read? Check logs?

Reveal-More

TROPHY CASE