Ysc3 Twincharged August 24, 2018 Share August 24, 2018 Yes they will likely . Citi charge me 100 for 8 balance ... i call up to wave are there any card issuers out there with a minimum repayment sum ? eg, if balance less than $10, they won't chase you to pay ... or they won't even send you the statement ? ↡ Advertisement Link to post Share on other sites More sharing options...
Doppel Turbocharged August 24, 2018 Share August 24, 2018 are there any card issuers out there with a minimum repayment sum ? eg, if balance less than $10, they won't chase you to pay ... or they won't even send you the statement ? Don't think so; any amount less than $50.00, banks like DBS would demand full payment. More than $50, minimum 3% of outstanding amount...but then it attracts 28% interest....legalized loan sharks. Link to post Share on other sites More sharing options...
inlinesix Hypersonic August 24, 2018 Share August 24, 2018 just now I made a payment to my credit card ... after the transaction was complete, then I realized that I paid short of $1.04 so I quickly logged in and made the balance payment for my card. question : if I did not notice I short the $1.04, will the bank charge me interest for it ? coz last time my colleague short pay $10 and the bank called up my company to look for him !! the bank kenah my friend "F" good good ... and then cancelled his card after that. I owed HSBC 2 yrs for $600+. Didn't realize there was outstanding balance. Never call me le. Anyway, u can buy credit report from: https://www.creditbureau.com.sg/buy-my-credit-report.html Link to post Share on other sites More sharing options...
Kusje Supersonic August 24, 2018 Share August 24, 2018 I owed HSBC 2 yrs for $600+. Didn't realize there was outstanding balance. Never call me le. Anyway, u can buy credit report from: https://www.creditbureau.com.sg/buy-my-credit-report.html No interest charged? And didn't impact your credit? Don't need to pay for the credit report la. Just apply for Credit card or home loan, then they will let you check for free Link to post Share on other sites More sharing options...
inlinesix Hypersonic August 24, 2018 Share August 24, 2018 No interest charged? And didn't impact your credit? Don't need to pay for the credit report la. Just apply for Credit card or home loan, then they will let you check for free No idea whether impact credit or not. No job, how to get loan. Anyway the report cost $5. Link to post Share on other sites More sharing options...
Kusje Supersonic August 24, 2018 Share August 24, 2018 No idea whether impact credit or not. No job, how to get loan. Anyway the report cost $5. No job, all the more $5 is valuable. Link to post Share on other sites More sharing options...
Enye Hypersonic August 24, 2018 Share August 24, 2018 No idea whether impact credit or not. No job, how to get loan. Anyway the report cost $5. wah what happened? how come no job? Link to post Share on other sites More sharing options...
inlinesix Hypersonic August 24, 2018 Share August 24, 2018 wah what happened? how come no job? No one want to hire me to wipe table Link to post Share on other sites More sharing options...
inlinesix Hypersonic August 24, 2018 Share August 24, 2018 No job, all the more $5 is valuable.I only paid once long long ago. I have good track record with only 1 outstanding loan. Link to post Share on other sites More sharing options...
Kusje Supersonic August 24, 2018 Share August 24, 2018 I only paid once long long ago. I have good track record with only 1 outstanding loan. Per your own admission, you are a credit defaulter for 2 years leh. Like that called good track record? Link to post Share on other sites More sharing options...
Kusje Supersonic August 24, 2018 Share August 24, 2018 (edited) No one want to hire me to wipe table Edited August 24, 2018 by Kusje Link to post Share on other sites More sharing options...
inlinesix Hypersonic August 24, 2018 Share August 24, 2018 Per your own admission, you are a credit defaulter for 2 years leh. Like that called good track record? Let me waste $5 and see how that debt affects me. Link to post Share on other sites More sharing options...
Neutrino Supercharged August 24, 2018 Share August 24, 2018 (edited) Don't think so; any amount less than $50.00, banks like DBS would demand full payment. More than $50, minimum 3% of outstanding amount...but then it attracts 28% interest....legalized loan sharks. We always pay off all at end of month. I know some people have difficulty and spread payment over a few months. But my BIL dam stupid. Got a few credit cards all maxed out and only pays minimum each month. So paying what 28% for his loan all year every year. His head only just above water due to lowish salary and his working kids who live at home not contributing to food or anything. Felt sorry for him so paid all his loans off once. He had no idea he was paying 28% Went through all his bills and explained where he might cut down or not require blah blah blah. A few months later he was maxed out on his credit cards again and back to paying 28% Worse still has got nothing to show for his indebtedness. No nice home all shoddy furniture. No nice clothes. Never goes out to eat. No holidays. Nothing. I'm sure he's not the only family in Singapore like that. But he'll never learn. Of course the banks love him. Edited August 24, 2018 by Neutrino 4 Link to post Share on other sites More sharing options...
Doppel Turbocharged August 24, 2018 Share August 24, 2018 Let me waste $5 and see how that debt affects me. Price increased liao, no more $5; now $6 plus GST, $6.42 2 Link to post Share on other sites More sharing options...
Kusje Supersonic August 24, 2018 Share August 24, 2018 He maxed it out cuz you paid it off for him mah. Link to post Share on other sites More sharing options...
inlinesix Hypersonic August 24, 2018 Share August 24, 2018 Price increased liao, no more $5; now $6 plus GST, $6.42CCB xAx. Link to post Share on other sites More sharing options...
Doppel Turbocharged August 24, 2018 Share August 24, 2018 We always pay off all at end of month. I know some people have difficulty and spread payment over a few months. But my BIL dam stupid. Got a few credit cards all maxed out and only pays minimum each month. So paying what 28% for his loan all year every year. His head only just above water due to lowish salary and his working kids who live at home not contributing to food or anything. Felt sorry for him so paid all his loans off once. He had no idea he was paying 28% Went through all his bills and explained where he might cut down or not require blah blah blah. A few months later he was maxed out on his credit cards again and back to paying 28% Worse still has got nothing to show for his indebtedness. No nice home all shoddy furniture. No nice clothes. Never goes out to eat. No holidays. Nothing. I'm sure he's not the only family in Singapore like that. But he'll never learn. Of course the banks love him. Sorry to hear this about your brother-in-law. He doesn't seem to have a lifestyle problem, given what you have described about him. How much does he own in total, in terms of number of months of his salary? Link to post Share on other sites More sharing options...
Enye Hypersonic August 24, 2018 Share August 24, 2018 give chance...don't post my story for everyone to see leh Not many positions open for your level of expertise lor. One company only 1 CFO but can have many storeman and asst storeman At @enye and my level, plenty of positions with plenty of people to fight over. That's the advantage of being a mediocre performer. high flyer, you every few years can change job get obscene pay increment not like me stuck for so long in the same job same salary much higher and atas level than me lah...mai suan me pls ↡ Advertisement 1 Link to post Share on other sites More sharing options...
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