not DBS, i get from OCBC
singapore CC is similar like Msia, you dont have credit profile, it will be hard for you to get CC.

DBS is more difficult to start with, so go for others bank, like Citibank, once you have 1 CC, it will be easy for you to apply DBS one.

https://www.ocbc.com/personal-banking/loans...yment-cash-loan

Nowadays young people with clean record( no house and car loan)
Vety difficult to get normal credit card

EasiCredit is a standby line of credit that lets you flexibly choose your repayment amount.


Ok,i understand now.

This is like built a credit score payment record for you right?

i apply for citibank card recently and got a switch for sign up promo.

what is good about hsbc?

When i look for cc i m just looking at the signup promo.. what is so attractive with other bank that must sign up with them?

actually no leh, i m here only for 9 months but i m ep holder la, citi is quick and easy.

This post has been edited by holymushroom: Jun 8 2023, 02:09 PM

that's why a lot of youngster bankruptcy at young age due to using future money too much.

best is save some money first, buy a car with 50% DP (that time apply cc with the same bank you apply loan) normally they will approve it.

Or get a home loan (which normally they will give you FFL CC), even it is approve but you didn't sign it. Like I apply loan from 2 banks, MBB & another bank (forgot which).
MBB upgraded my 2 cards from plat to premier, while another bank also send me their cc (which I already canceled)

FFL CC ?

free for life cc

yes.

nothing good from HSBC, usually sign up for point, free gift...

my mandate card only 2~3 cards, but i got like 20+ different CC from different bank...

no need pay service tax rm25 for lifelong?

You just keep for collection?
You call hotline to cancel the card?

That is not called clean record. That is called no record.
Clean record is 00000000000000000000000 in your CCRIS report.

I'm waiting for bank to launch "Forever Alone" card..

annual fee only, sst still need to pay.

For mbb, normally I just used the point to offset the sst. That's why I cancel the other bank cc, because didn't use at all.
So if you plan to apply mortgage loan soon, can think think and ask the sales agent. Normally they provide the form to you as well when you provide docs for them.

How this works ? Assuming after few years, you cash out your FD, the CC will be cancelled even all the while your make prompt payment ?

Single only applied?

they give, i take loh
usually the waive my annual fees automatically

if they dont waive, then just cancel, only 1 single call

need so desperate to own a cc?lol

Premier banking center staff all are young amoi?

If you want to withdraw your fixed deposit, you must cancel your credit card first..