Originally Posted by
invisible
Well, seems people are experts in this field based on their experiences... so, I'd rather restrain myself from commenting.
At the time of OP's SIN layover he would definitely need cash for any activities, not just documents and credit cards. I don't think there are too many good eats at that time that will take AMEX!
Since my US bound flight departs SIN before sunrise I usually spend my last night's per diem on street food and beverage, shower and change at SIN and sleep until NRT. My SINful last supper!