This is the record of payments you have made and loans you took in the past. Banks look at this data to determine how much of a risk they are taking by lending you money or giving you a credit card.
The credit report is a record of all the borrower's credit history. Credit Bureau Singapore issues this to banks whenever they enquire about a borrower to ensure that they can make good on their payments.
The effective interest rate (EIR) is the actual interest rate you need to pay for an outstanding credit card balance or a personal loan.
This refers to the type of loan that doesn't require collateral, and often have higher interest rates. Some examples of unsecured loans include personal loans, credit lines, and credit cards.