I would like to hear from an SCB VI cardholder, does the card pool points?

Yes the promo sign up bonus was exciting and I am one of the lucky few with the awesome sign up bonus but considering its high annual fee it just has basic perks and I may not continue on my second year unless the renewal bonus is great. Also I feel the online user interface and points redemption can be made to be much better though. One last exciting thing is that Standard chartered EasyRewards allows X Cardholders to use their 360° Rewards Points to offset Travel Purchase Qualifying Transactions or to use their Rewards Points via Transfer Rewards to redeem for Hotel Partner Points or Airline Partner Miles.

The Standard Chartered 360° Rewards programme rewards you on your total banking relationship with them. It starts with your credit card spend, and then also rewards you on your mortgage, investments, deposits and online transactions. All customers are eligible for the 360° Rewards programme as long as they hold a Standard Chartered credit card except the cards that offer Cash Back e.g. MANHATTAN. You can earn 360° Rewards Points via online Transactions (payment of any other bank's credit card bill or payment to billing organisations) or fixed deposit Investments (only selected investment).

Redeeming your online reward points can be easily achieved by simply following a few steps to redeem your Reward Points anytime. Steps 1 - Visit www.sc.com.sg/rewards if you are a First Time User to register with your Card Details. Then next step is to Login and Search for your favourite rewards by Product name, Points range or Brands, then select your rewards, indicate quantity and add them to cart then confirm your order upon Checkout. You should receive a voucher for every Reward redeemed except for Air Miles and Cash Rewards but allow for approximately 14 working days for voucher/s to be mailed to your billing address. Please note that the voucher(s) once issued are not refundable nor are they exchangeable for cash, or another Rewards. You can choose from a wide variety of exciting offerings from the rewards catalogue. These include everything from shopping to dining vouchers, and airline miles to experiential product offerings.

Those with an annual income of less than S$20,000 may borrow up to S$3,000 from all moneylenders combined and those who earn more thanS $20,000 a year may borrow up to six times their monthly income from all moneylenders combined. Meanwhile, for foreigners residing in Singapore, a lower aggregate loan cap of S$1,500 will be imposed on those who earn less than S$10,000 annually. Foreigners who earn between $10,000 and $20,000 a year can borrow up to $3,000, and those who earn at least $20,000 can borrow six times their monthly income.

There are four main companies in Singapore that offers business plans. We have OCBC, Maybank, POSB and Philip Share. This plan is great for individuals who just started working and have little capital to invest, people who don't want to spend time analysing stocks and people who dislike market volitility.

There are a lot of cheap plans but the best that provides what you are looking for are StarHubGiga and M1 which offers, 1,000 SMS, 1,000 min of calls and 25-30GB of data for only S$25.but if you're looking for something cheaper but still somewhat decent, you could try Zero1 though you will encounter speed reduction after 1GB of mobile data use.

In a joint statement, the Ministry of Law (MinLaw) and Ministry of Manpower (MOM) said that foreigners living in Singapore will be subject to new aggregate loan caps and the self-exclusion framework for borrowing from licensed moneylenders just like Singaporeian citizens. This just implies that this will better protect foreigners such as yourself residing here and your/their employers from the effects of over-borrowing.

If you got scammed online, you can contact the authorities to help you out. Always background check on what investments your gonna go through. You can easily contact people across the globe with the use of internet. Always check their status before involving within them. But as much as possible get help with the authorites.

Your interpretations are correct but we can look deeper into its characteristics. A bond has a face value which is the amount the bond will be worth at maturity and the amount the bond issuer uses when calculating interest payments. A bond has a coupon rate which is similar to interest rates. A bond shouls always have a maturity date which is self explanatory. Probobly the most important characteristic is the issue price which is the original price the issuer sells the bond.