What if I am having financial problems and can’t quite get to pay my outstanding credit card bills or I make overdue payments, what will be done to me and how can I better manage the situation?
Maybank DUO Platinum Mastercard
Seldom would you find a card that has your best interest at heart as the AMEX Express Platinum Reserve Credit Card with its Emergency legal and medical assistance even when you are anywhere in the world. You can enjoy privileges around the globe with Live the World and American Express with all round protection against accidental damage or theft for your purchases.
American Express Platinum Reserve Credit Card / American Express International
The delivered on the promise of purchase Protection of up to 90 days when ensured reimbursement on an eligible online purchases I made with my Amex Express Gold Card. Irrespective where you buy online or shopping at the local supermarket, their Purchase Protection offers repair, replacement or reimbursement on eligible purchases made with the Card, that has been damaged or stolen within 90 days of purchase.
American Express Gold Card / American Express International
The Citi SMRT card is a pretty decent card for spending but they unfortunately exclude travel related online merchants. This to me is the downside of the card and may be a reason to get another card for travel websites.
Citi Prestige Card / Citibank Singapore
This is my first credit card and I was pleased with the process as the application was absolutely stress free and smooth with customer care service at top notch. I actually felt taken care of and it appeared I could rely on customer care service for virtually any issue. Plus they have a simple tracking system of cashback rewards, with a good App and web UI/UX.
American Express True Cashback Card / American Express International
A 5% cash rebate on fuel purchases and a 16% instant discount is a great deal for me I must say, the HSBC VISA Platinum Credit Card indeed makes driving more fun for me as i always look forward to the 16% instant discount plus 5% cash rebate on all fuel spend at Caltex and Shell stations
HSBC VISA Platinum Credit Card
I have held this card for quite a long time and one thing I like about the card is the fact that it is used for CapitaLand malls and they are almost everywhere. So I enjoy dining taking advantage of the 10x rewards merchants to accumulate the points faster. Imagine getting close to 6.5% rebates on dining. Not to forget their sign up bonus of $60 rebates in vouchers when you spend $1,500. That's a 4% rebate excluding the points you will earn which will convert into vouchers too.
American Express CapitaCard / American Express International
No Name
Non-repayments or overdue repayments of credit card bills will be reflected in your credit report and could adversely affect you when you apply for a new loan. A credit report contains records of an individual’s credit payment history (including bankruptcy records) and is issued by a credit bureau gazetted by the Monetary Authority of Singapore to members of the credit bureau when they make enquires about an individual applying for credit. A credit report that shows defaults or late payments – even 30 days late - might lower your chances of getting a loan or require you to pay a higher interest rate for a loan. You can take the following steps if you have problems managing your debt; contact your creditors immediately and request to work out a payment plan that can help reduce your payments to manageable levels, pay off high interest rates debts first, transfer debts with high interest rates to cheaper alternatives, reduce credit card expenses and cash advances