QUOTE(adele123 @ Jan 20 2015, 10:22 AM)
yes, as stated in post #2. whatever the actual date is. before july 2014.
your 2nd question is actually very confusing. most ppl pay based on due date, although i've seen in the forum some saying they pay immediately after swiping. i don't think someone like you has a 'bad' habit.
as for the 2nd part of the question, yes, it will be reflected in your CCRIS if you were late for your payment. late, as in zero payment after due date, then subsequently any loans you want to apply in future, bank will look at your ccris before deciding.
Gracias. My 2nd question depicts an early settlement. For example, I swipe 10k. I pay in 3 days which is still before the statement is issued. My outstanding shows zero. Then at the end of the month, when statement is issue, it displays 0. This means there is no payment trend being logged since i do an early payment before the month rolls.
QUOTE(Human Nature @ Jan 20 2015, 10:53 AM)
Do check out for any changes after the GST implementation.
Noted Buddy. Thanks for the reminder.
QUOTE(QPheng @ Jan 20 2015, 11:08 AM)
Hi Vervain, for your 1st question, yes, and you're only liable for any applicable GST on the the next anniversary of your card approval date.
As for your 2nd question, it's indeed a good habit to make full payment on any day as long as it's before the due date to avoid prevailing interest charges and by doing so, it shows that you're a good paymaster in bank's internal record as well as CCRIS. CCRIS will capture payment pattern base on minimum payment, partial payment and full payment reported by financial institutions on each month.

Thanks for the explanation. you got what I wanted to ask, spot on.