Credit Cards ??


izerkudie

New Member
Jan 1, 2010
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#1
hi friends, my girl actually just started working as a sales marketing executive 3months, with basic&commission, she is earning around 2.6k per month, she is applying for credit card but does she need to submit the CPF statement of the last 12months or 6months? as she just started work @ this company for 3months


as stated,

CPF statement of the last 6 months OR Income Tax Notice of Assessment OR latest computerised payslip (1 month for salaried employees or 3 months for commission earners).
 

jlkk76

Senior Member
Dec 28, 2006
2,148
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Tampines
#2
just send in the latest payslip shld be ok bah..else give their helpdesk a call lor..
 

NovJoe

Senior Member
Feb 15, 2009
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~Sunny Little Island~
#3
Actually, it is needed but most of the time, banks would also not want to lose a potential client so your gf can give it a shot with the latest payslip and last 2 to 3 months of CPF statement.

For her case, best time to apply is during roadshows where CC sales agents are trying to find new clients.
 

Last edited:
May 14, 2006
1,079
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0
Woodlands
#4
hi friends, my girl actually just started working as a sales marketing executive 3months, with basic&commission, she is earning around 2.6k per month, she is applying for credit card but does she need to submit the CPF statement of the last 12months or 6months? as she just started work @ this company for 3months


as stated,

CPF statement of the last 6 months OR Income Tax Notice of Assessment OR latest computerised payslip (1 month for salaried employees or 3 months for commission earners).
some card which has only credit limit of 500, you can try too..
 

NovJoe

Senior Member
Feb 15, 2009
5,650
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~Sunny Little Island~
#6
Or simply go for UOB One card. Easy to maintain (Only 3 transactions of any amount per month for at least 12 months to get auto wavier) and up to 3x the salary limit.
 

Jan 31, 2009
634
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0
#7
CPF statement of the last 6 months OR Income Tax Notice of Assessment OR latest computerised payslip (1 month for salaried employees or 3 months for commission earners).
It is an "OR". so either one of them will suffice :)
 

sakuragiz

New Member
Feb 4, 2009
832
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#8
Latest pay slip will do.

Apply POSB everyday card if u drive. SPC normal day 17+% off and on wed 20+% off petrol. Im loving it!
 

mohgui

Senior Member
Jan 31, 2005
1,294
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La La Land
#10
honestly... the best is don't apply because credit cards are unnecessary evil. if you don't have discipline and self-control... you'll spend more than what you earn.
 

Feb 4, 2008
349
0
0
#12
hi friends, my girl actually just started working as a sales marketing executive 3months, with basic&commission, she is earning around 2.6k per month, she is applying for credit card but does she need to submit the CPF statement of the last 12months or 6months? as she just started work @ this company for 3months


as stated,

CPF statement of the last 6 months OR Income Tax Notice of Assessment OR latest computerised payslip (1 month for salaried employees or 3 months for commission earners).
I think you will need 6 months. I remember applying for a UOB card and got rejected because I had only been working for a few months. Normally in the app form they will also ask how many years you have been with this company, not sure if they use that to decide whether to approve or not.
 

ZerocoolAstra

Senior Member
Mar 13, 2008
9,522
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0
rainy Singapore
#13
hi friends, my girl actually just started working as a sales marketing executive 3months, with basic&commission, she is earning around 2.6k per month, she is applying for credit card but does she need to submit the CPF statement of the last 12months or 6months? as she just started work @ this company for 3months


as stated,

CPF statement of the last 6 months OR Income Tax Notice of Assessment OR latest computerised payslip (1 month for salaried employees or 3 months for commission earners).
errr.. what's wrong with debit cards for the time being?
 

Virgo

Senior Member
Dec 23, 2003
4,816
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West of Singapore
www.pbase.com
#15
I think you will need 6 months. I remember applying for a UOB card and got rejected because I had only been working for a few months. Normally in the app form they will also ask how many years you have been with this company, not sure if they use that to decide whether to approve or not.
Yes, all these are part of their consideration on deciding whether the application will go through.

For TS, I believe your girl's application will be rejected, as she has just started working, although her yearly salary meets the 30k limit.

Just go for the debit card will do if her main aim is to be able to purchase stuff from overseas, etc. No need for credit cards.
 

izerkudie

New Member
Jan 1, 2010
254
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0
#16
previously i applied for a few, i'm earning around 35k pa

standard chart, passed
citibank, failed
diners, passed
hsbc, passed

duno why -.-
 

ed9119

Moderator
Staff member
Mar 11, 2002
11,014
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Singapore
www.walkeast.com
#17
I NEVER owned a credit card until I was in my 5th year of work....... being debt free for sure felt great then even if it meant being disciplined and spending within my means....
 

Jun 24, 2003
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Visit site
#18
I NEVER owned a credit card until I was in my 5th year of work....... being debt free for sure felt great then even if it meant being disciplined and spending within my means....
Good advice Ed. Like Maggie said: Money you don't have you don't spend.
 

ZerocoolAstra

Senior Member
Mar 13, 2008
9,522
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0
rainy Singapore
#19
I NEVER owned a credit card until I was in my 5th year of work....... being debt free for sure felt great then even if it meant being disciplined and spending within my means....
hehehe credit card doesn't necessarily = debt.

I've owned credit cards for about 6 or 7 years already, and never been in debt to any single one of them. Agree with you that it's all about discipline and spending within means.
 

kokfann

Deregistered
Aug 2, 2009
127
0
0
#20
honestly... the best is don't apply because credit cards are unnecessary evil. if you don't have discipline and self-control... you'll spend more than what you earn.
yes agree. :thumbsup:

but it is also good to have credit cards because you can get things cheaper sometimes.
for example, before i got my cc, my monthly membership fee at gym is $88 for one year contract.

however, when i use my cc, it's $58/month for 2yrs contract. however self control and discipline is really really important.
 

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