Credit score

[invisible999]

So what happened is that my credit report associated with my FIN showed no credit cards (which I have >8) and GX as score. That's because my info was associated with my passport number, not FIN.

Made a call to credit bureau and requested to merge/associate two reports. They sent me the 'real' report afterwards and as expected - AA with score of 1938.

Anyone got more?

 

[crystalnox]

 

[edwinttt1978]

So what happened is that my credit report associated with my FIN showed no credit cards (which I have >8) and GX as score. That's because my info was associated with my passport number, not FIN.

Made a call to credit bureau and requested to merge/associate two reports. They sent me the 'real' report afterwards and as expected - AA with score of 1938.

Anyone got more?

Score of 1968.

 

[Jumpman23]

and I have 6 CCs.

 

[edwinttt1978]

and I have 6 CCs.

Simply perfect!

 

[sgbanking]

and I have 6 CCs.

mine is consistently at the lower end of teh bar, except the period before home loan application...

it said my credit exposure is moderately high... coz took out too much for investment...

 

[Savage1]

Just pulled my report today and it looks like I also have a 2000 score with 12 credit cards.

 

[edwinttt1978]

Just pulled my report today and it looks like I also have a 2000 score with 12 credit cards.

After this, I went to carefully count my credit cards, most of them in a mooncake tin.

Goodness! I have 22 active credit cards from 10 banks:
7 DBS (up from 6 due to ANZ taken over),
1 HSBC,
1 BOC (down from 5 in the past 12 months),
2 SCB, 1 overdraft,
2 Maybank, 1 overdraft,
2 UOB, 1 overdraft,
2 ICBC,
2 Citibank (up from 1 in the past 12 months),
2 Amex, and
1 CIMB.

I seriously need to reduce them.

 

[JuniorLion]

So what happened is that my credit report associated with my FIN showed no credit cards (which I have >8) and GX as score. That's because my info was associated with my passport number, not FIN.

Made a call to credit bureau and requested to merge/associate two reports. They sent me the 'real' report afterwards and as expected - AA with score of 1938.

Anyone got more?

More as in higher score or more credit cards?
Don't know if that's something that's worth comparing.

Score of 2000 here.

 

[ORELLE]

After this, I went to carefully count my credit cards, most of them in a mooncake tin.

Goodness! I have 22 active credit cards from 10 banks:
7 DBS (up from 6 due to ANZ taken over),
1 HSBC,
1 BOC (down from 5 in the past 12 months),
2 SCB, 1 overdraft,
2 Maybank, 1 overdraft,
2 UOB, 1 overdraft,
2 ICBC,
2 Citibank (up from 1 in the past 12 months),
2 Amex, and
1 CIMB.

I seriously need to reduce them.

just curious with so many cards, which do u frequently use?

 

[ORELLE]

More as in higher score or more credit cards?
Don't know if that's something that's worth comparing.

Score of 2000 here.

max score should be 2k.
But people always believe with more cards u hold, it will pull down your score which is not so good.

 

[crystalnox]

max score should be 2k.
But people always believe with more cards u hold, it will pull down your score which is not so good.

I believe it's the opposite, the more cards with more banks would mean a higher credit to debt ratio. Which would pull up the score.

Failing to pay on time would be the big downer to the score, people who believe the more cards = lower score are also usually the ones who make min. or late payments often.

 

[cybercom8]

i got a score of 2000 too even though got hit with some cc late payment fees in the past year (overlooked ) but all were waived

 

[crystalnox]

i got a score of 2000 too even though got hit with some cc late payment fees in the past year (overlooked ) but all were waived

That's interesting, seems like there's no transparency as to how our credit bureau calculates the scores.

 

[cybercom8]

That's interesting, seems like there's no transparency as to how our credit bureau calculates the scores.

i suspect the banks don't report late payment immediately...maybe they give chance or buffer of 1-2 months before reporting

 

[ORELLE]

i got a score of 2000 too even though got hit with some cc late payment fees in the past year (overlooked ) but all were waived

i think your late payment card is not from ocbc bank right?

 

[edwinttt1978]

just curious with so many cards, which do u frequently use?

The 3 cards most frequently used are the UOB ONE, followed by the UOB Delight and the BOC Family Card.

 

[cybercom8]

i think your late payment card is not from ocbc bank right?

yeah lah, cancelled all my ocbc cards left frank card but never used it

the late payment was with amex and citi and both answered the call promptly and happily waived all charges and even thanked me for calling

totally different experience from ocbc

 

[ORELLE]

The 3 cards most frequently used are the UOB ONE, followed by the UOB Delight and the BOC Family Card.

from the card that u frequently used, u are more to rebates.

 

[ORELLE]

After this, I went to carefully count my credit cards, most of them in a mooncake tin.

Goodness! I have 22 active credit cards from 10 banks:
7 DBS (up from 6 due to ANZ taken over),
1 HSBC,
1 BOC (down from 5 in the past 12 months),
2 SCB, 1 overdraft,
2 Maybank, 1 overdraft,
2 UOB, 1 overdraft,
2 ICBC,
2 Citibank (up from 1 in the past 12 months),
2 Amex, and
1 CIMB.

I seriously need to reduce them.

i would like to guess the card u hold.

7 DBS live, black, women world, safra, women platinum, esso, everyday, altitude visa ?
1 HSBC advance
1 BOC (down from 5 in the past 12 months),
2 SCB spee and unlimited
2 Maybank Family & Friends , platinum visa
2 UOB, 1 overdraft,
2 ICBC Dual Currency visa, Global Travel MasterCard.
2 Citibank smrt, cashback
2 Amex cashback, platinum
1 CIMB visa signature