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What’s an MCC (Merchant Category Code) – and why does it matter for your Chocolate Visa card?Ever had your card declined and not sure why? Or wondered why you didn’t earn as many miles as you thought you would? We often get questions like: “Why was my transaction declined?”, “Why didn’t I get miles for that purchase?”, “What even is an MCC?” So, we thought we’d break it down. Here’s everything you need to know about Merchant Category Codes (MCCs), how they work behind the scenes, and why they matter when you spend with your Chocolate card.
Chocolate Finance
Sep 2, 2025
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What is a Singapore Dollar fixed deposit?When we are looking at safe and secure ways to get a return for our short-term cash holdings, there are a select number of options that are regularly proposed to investors. That’s no surprise because there really isn’t some massive secret to earning a decent yield on your cash savings. You’re never really going to earn more than 3% so, as the saying goes, “if it sounds too good to be true then it probably is”.
Chocolate Finance
Sep 19, 2025
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What is a Singapore Treasury Bill (T-Bill)?In Singapore, idle cash represents one of the biggest untapped opportunities in the local market. In this Choc Bites series, we’ll help you understand the different types of savings and investment products available — so you can make your money work smarter for you. When it comes to managing excess cash, we can’t just leave it lying around without a plan — we want something that’s low risk but still earns a return. T-Bills are short term investment instruments, typically maturing within six months to one year, making them suitable for investors seeking safety and liquidity.
Tim Phillips
Sep 19, 2025
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Chocolate Finance 好唔好？了解背景及6大優勢Chocolate Finance
Jan 29, 2026
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