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Standard Chartered Bank in Singapore offers a wide range of credit cards, all offering different benefits and rewards. Some focus on cashback, some on functionality, while some entirely focus on miles or shopping..

Cheaper fund transfers: Transferring cash via credit card is a costly affair. Paying credit card bills and loans affiliated with other banks, transferring funds to other banks’ accounts generally attracts an average of 24% p.a. interest rate on the outstanding balance. When you transfer funds via your Standard Chartered credit card in Singapore, you save interest charges. You can transfer a minimum of S$1,000 from your Standard Chartered Credit Card at 0% interest rate by paying a one-time processing fee. The processing fee depends on the tenure of your transfers. The processing fee for a 6-month tenure is calculated at 1.99% (EIR at 4.12%).
EasyPay Instalment Plans: This feature allows you to convert all your retail purchases above S$500 into 6 or 12-month interest-free instalments by paying a one-time service fee at 5% of the total amount converted. This feature covers all kinds of retail transactions, local or overseas and can be utilised via net banking or by calling the banking team.
Recurring Payment Plan: This feature allows you to consolidate all your bills into one credit card payment plan. It saves you time and allows you to earn 360° Reward Points and CashBack faster where it is applicable.
0% Interest Instalment Plan: The 0% interest instalment plan can be used to manage your big-ticket purchases with no additional charges. It saves you time and allows you to earn 360° Reward Points and CashBack where it is applicable. To use, ask for Standard Chartered 0% Interest Instalment Plan at the participating outlet and charge it to your Standard Chartered Visa or MasterCard credit card.
The Good Life privileges: This features gives you access to exclusive offers and privileges at more than 3,000 lifestyle Asian outlets that offer dining, travel and lifestyle benefits. The privileges can be used by quoting “Standard Chartered Privileges” prior to ordering, making reservations or payment. For this feature to work, you must charge the payment through any Standard Chartered Credit or Debit Cards.
Payment management plans: There are several ways you can use your Standard Chartered Bank credit cards to manage your payments and do them at your convenience. Some of these payment methods are: PayNow, Apple Pay, Samsung Pay, Android Pay, Visa Checkout, Masterpass, Account-based ticketing, Tap and Go, Visa payWave and more.
CardSafe Guarantee: Besides following the common protection guidelines, you can rely on 3D protection via the use of One-Time Password (OTP). This provides an additional layer of security to your transactions as long as the details are updated. The cards can also be set up in a way that you will receive an alert every time a transaction is made via your card.
All the described features are free and are universally applicable on all SCB Credit Cards. So no matter which credit card in Singapore you are using, you will have access to these features as well as the card specific features. Cards such as the Visa Infinite Card, Unlimited Cashback Credit Card, Platinum Visa, Platinum MasterCard, SingPost Platinum Visa Credit Card and more all fall into this category.

It’s nice that you simply had the choice to induce emergency money as not everybody qualifies for these simple quick money advances. What it will mean is that you simply will work on managing your budgets higher for subsequent twelve months.

If you found that your payday loans direct lender use was high, build a goal to chop the necessity in. Wherever in your budgeted expenses may you create changes for the year before you? What would like to try to so as to build your credit utilization rate in order that you’ll produce other choices to show to once you need that further money boost? These are necessary things to think about once reorganizing your finances so as to manage what quantity cash is lost towards interest payments.

To start things off, you’ll need to determine a curt list of all of your monthly expenses. Do your best organize similar expenses into classes? Use last year’s receipts or payments info to make an inexpensive take into account every class. Some bills square measure mounted and square measure simple to set up for, however others fluctuate throughout the year and you’ve got to possess a real estimate so as to avoid needing a quick direct payday loan investor to complete out the monthly payments.

Some classes might have to be adjusted each month. Once fuel costs rise, you’ll have to be compelled to raise your vehicle allotment. Concentrate to your utility prices. Track a mean quantity for every one so as to set up necessary funds. It’s most vital to take into account all living prices before you add any extras. If you’ve got a automobile payment and it actually does not work into any affordability set up, you’ll need to think about refinancing or commercialism it certain a vehicle with smaller payments. This one modification might straighten out your monetary state of affairs and keep you from eager to acquire any cash from day lenders direct. What would you are doing with an additional one or 2 hundred greenbacks a month? Besides assuaging the necessity to borrow you’ll doubtless pay down credit debt so as to figure on reconstruction your credit score?

It is not a sensible call to use excess cash to extend the value of your fashion. Whether or not it absolutely was a step-down or a raise in financial gain, any excess you get ought to be place toward your debt or placed during a bank account. Dedicate subsequent twelve months to creating your finances safer. You’ll see your credit score go up and your debt totals go down.

As the year progresses, you’ll realize it abundant easier to save lots of cash. The less you pay towards debt and interest, the lot of you’ll have within the bank for future emergencies, potential purchases and retirement plans.

Make this year regarding cash management. Build the required changes required so as to form your monthly budget add your favor. Aren’t getting discouraged if issues pop, as issues occur for everybody, the solutions square measure what build the distinction in success or failure. Keep together with your set up and use third party cash as required till you’re able to flip your credit around. If you wish to use a direct lender loan services, do therefore however pay it off in time. Once your credit utilization rate drops and credit becomes obtainable yet again, tread slowly. There’s no rush to use for many cards or pay the balance you simply finished paying down. Take every month one step at a time and build your monetary future with a powerful foundation. Not solely can you modify your monetary outlook however you’ll build higher cash management skills.