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Old 11-09-2009, 08:43 PM   #31
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how we calculate the interest if there's $200 outstanding bill from 21/7/08 due date 21/8/08 based on 2.34% .
Any butties can help ?
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Old 21-09-2009, 12:43 PM   #32
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how we calculate the interest if there's $200 outstanding bill from 21/7/08 due date 21/8/08 based on 2.34% .
Any butties can help ?
2.34% is based on one month.

Here's how it works, lets say annual interest is 24%. You take 24% / Number of days in a year. Tat will be the daily interest rate. Then multiply by number of days

So 2.34% is one month. Hence, amount owned * 102.34

Assuming you owe $200, hence the interest is $4.68
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Old 22-09-2009, 10:14 PM   #33
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2.34% is based on one month.

Here's how it works, lets say annual interest is 24%. You take 24% / Number of days in a year. Tat will be the daily interest rate. Then multiply by number of days

So 2.34% is one month. Hence, amount owned * 102.34

Assuming you owe $200, hence the interest is $4.68
0.66% daily include outstanding balance due and owing
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Old 09-10-2009, 01:25 AM   #34
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Understand RBS switch card has no cash advance fee but other cc charge 5% or min $10-$15. Any catch? As this seems to be better? Interest rate same?
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Old 19-10-2009, 12:48 PM   #35
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Interested party in credit cards can meet up with me

Hi all,

Basically if any one wants to sign up for HSBC credit cards can give me a call @ 92373120 Tom. We can meet up to do the processing. Some of my friends are doing other credit cards, I can try to refer you to them but I dont really know much about other cards.
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Old 02-11-2009, 08:25 PM   #36
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SC debit card overseas transaction fee from 1.5% to 2.5% wef nov 2009
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Old 11-11-2009, 08:21 PM   #37
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hey, if i wanna use my POSB debit card on holiday to buy stuff, how would the charges be like. for instance maybe like HKD$ 1k
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Old 10-12-2009, 09:37 PM   #38
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hey, if i wanna use my POSB debit card on holiday to buy stuff, how would the charges be like. for instance maybe like HKD$ 1k
Pay in HKD, exchange rate at the time you get bill plus 1.5% service charge.
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Old 20-12-2009, 12:02 PM   #39
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Some of the overseas transaction fees listed on the front page seem to be outdated. There is a more updated list here:

http://www.singwealth.com/portal/ind...fees-a-lowdown
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Old 21-01-2010, 12:53 AM   #40
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wat abt online purchases at amazon? beta to use a debit card or credit card? i dun tink they chg me the 1.5% when i was using the debit card to pay..
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Old 04-01-2012, 08:47 PM   #41
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wat abt online purchases at amazon? beta to use a debit card or credit card? i dun tink they chg me the 1.5% when i was using the debit card to pay..
The service charge is always there. Just that they build into the exchange rate.
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Old 09-07-2012, 08:12 PM   #42
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sorry newbie to card as didnt believe in having 1 now just signed up for online purchase as was using debit card all along

if i buy something online and pay up within the same month, will additional charges be incurred?
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Old 22-10-2012, 12:36 PM   #43
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First time cc holder. May I know how/when do I need to make payment if I bought sth today using cc?
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Old 29-10-2012, 10:12 AM   #44
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First time cc holder. May I know how/when do I need to make payment if I bought sth today using cc?
When you received the bill, there will be a 2-3 weeks period before payment. If you buy something today, need to pay up 3-8 weeks later depending on your billing cycle.
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Old 29-10-2012, 10:13 AM   #45
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sorry newbie to card as didnt believe in having 1 now just signed up for online purchase as was using debit card all along

if i buy something online and pay up within the same month, will additional charges be incurred?
As long as pay up before the payment date on the bill, there will be no additional charges.
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