I've been thinking about putting something in this Singapore location
https://www.silverbullion.com.sg/ instead of in a safety(which isn't) deposit box at the credit union. This depository basically works like a bank should really work. You store your precious metals there, and they charge you for that. You can make fiat loans to other people who store precious metals there. If they don't pay, you get their precious metals. If they do pay you can cover your costs of storing your precious metals.
I try to work all my credit cards with balance transfers, zero interest periods, cash back rewards, and paying off on time.