I'm mostly cashless these days so use my credit card for groceries etc, and every month without fail i will pay my statement amount in full.

Will this affect my DSR?

Not really, although if you have happen high outstanding charged to your cards when bank/lender do CCRIS search on you, they'll lower your credit score when assessing your repayment capability. This is because they don't actually get the full details of what outstanding you have (example, instalment plans, they'll only see the FULL amount owed not your monthly repayments amount)

got it, so best to pay off total outstanding when applying for loan?

Yes, and don't spend too much until loan approved 🤣

Nope, infact it will help because banker can see u are a good paymaster

Having few thousands per month outstanding cc is normal unless the balance exceed your monthly income, then it may raise the red flag.

If you are applying the loan with same bank as CC, they can check your past cc records easily.

If is cleared monthly, then is considered expenses and not debt.

What if i only pay statement amount and not outstanding balance?

Statement and Outstanding Balance is the same meaning.

If you are refering to minimum payment amount, then the balance is considered a debt.

Due to my CC cycle when i pay off statement balance, still got some outstanding due the next cycle. Which is kind of what got me worried

If the bank wants to go into details, then they will request for the statements. Otherwise, no worries.

Had to Google what DSR means.