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Credit line FAQs
When is a credit line a better option than a credit card?
A credit line is better when you need flexible access to larger sums over time, often at lower interest rates. It's useful for ongoing expenses rather than everyday purchases.
Credit line, balance transfer or credit line?
Use a balance transfer to pay off high-interest debt quickly, a credit line for ongoing larger expenses, and a credit card for daily purchases and rewards. Choose based on your financial goals.
Latest reads on Personal Loans
Renovating Your Home: Should You Take A Renovation Loan Or Personal Loan?
Compare the effective interest rate (EIR), not the advertised rate. A bank renovation loan is no longer automatically the cheaper option: DBS’s charges 5.08% p.a. (EIR 6.16%), while promotional personal loans now start from under 2% EIR for borrowers with strong credit profiles.
Payday Loans in Singapore: What Are They and How Do They Work?
A payday loan in Singapore is a short-term, high-cost loan from a licensed moneylender, meant to tide you over until your next salary. Interest is capped by law at 4% a month, and you must verify your identity in person before the loan is paid out.