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Old 13-07-2018, 12:31 AM   #61
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Why does the grade matter?
What’s the purpose of it?
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Old 13-07-2018, 08:23 AM   #62
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I also H
How to improve credit rating?
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Old 13-07-2018, 08:54 AM   #63
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Why does the grade matter?
What’s the purpose of it?
affects your ability to obtain credit
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Old 13-07-2018, 10:31 AM   #64
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It will improve with time. Just pay your bills on time.

My score is BB, sadly

what does Credit Exposure mean? Total credit limit? Or unsecured balances?
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Old 13-07-2018, 12:49 PM   #65
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Credit rating score only starts computing after one obtains a credit card from banks right?


Anyone faced problem getting cc from banks because their score is GX (no credit history, and therefore you do not have a credit score available)
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Old 12-02-2019, 02:55 PM   #66
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Hi may i know so did it improve after 2 years?
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Old 12-02-2019, 02:56 PM   #67
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Anyone have HH and score 1555 and try to apply for a new card?
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Old 15-03-2019, 10:09 PM   #68
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Anyone have HH and score 1555 and try to apply for a new card?
Was CX and now HH.. sigh..

Application of CC rejected by few banks before (guess I applied too many in short period) until the last one Citibank, they asked me to provide additional doc - latest 1 mth salary, and it approved!

Anyone know how long does it take to increase the grade toat least BB or CC?¿
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Old 15-03-2019, 11:04 PM   #69
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Personally I feel is to use more of your credit cards and always pay on full for at least a year. Your rating should go up.

I have many credit cards and credit lines as well.
Once in awhile , I might forgot to make payment. (it happens.)

I also used my credit lines for personal investments as well. I mean interest free for 6/12 months with a small processing fees, it is quite a waste not to leverage on that.

My monthly spending is about $8k-12k which I spread over the cards.
I know there are many more people who probably spend more that in a single card monthly, but I think this could be one of the contributing factors to my AA/2000 score?

I mean I did miss out on payment before but usually will settle straight away when I got the SMS or reminder letters.

For one of my OCBC and Maybank card which I seldom use, i forgot to call to waive off the annual fees. For 3 months, they keep sending me reminders and charging late fees on TOP of the unpaid annual fees. It came back to quite a substantial sum.

Eventually I got them waived, however it did not affected my CBS record. Very weird. But I was ready to write a letter to the banks to reinstate the records if they did.
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