Thankfully, there are now several web sites that are there to help people like you with bad credit to find the fast personal loans that you need. When you have bad credit, the first thing that you should be looking for is a loan company that If your financial problems have reached the point where you do not see a way out and you feel as though you are drowning in debt, your best way out is through declaring bankruptcy. Filing may well allow you to get your finances back on track
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.