Debt consolidation Plan

[melbourne10]

Yup. I'm gonna gather the statements again and apply for SCB, BOC and maybank.

Try a lower tenor if you are comfortable to make the payments.

 

[ixotet]

Just checked my rating, I've just got upgraded to FF!!

Every time we check, there's a charge?

 

[endorphin]

Every time we check, there's a charge?

Have to pay $6.42 if we don't hve free report from FI

 

[CeSaRiO]

Try a lower tenor if you are comfortable to make the payments.

I'll probably stick to 5 years which I've decided upon.

 

[CeSaRiO]

Every time we check, there's a charge?

Yup we have to pay. At least I know now I've got a better piece of mind. From HH to FF..

 

[KKK1978]

I think each time the bank asked for the ** for DCP, ** rating seems to be much better in a way. If there are not request then there might be a case of status quo.

HSBC also never give me any free report. So far only BOC

 

[Myst84]

Bro..this customer service line has stopped helping to check on DCP status liao (as per my calls last week), they will ask u to contact the CSO directly or they will leave a message behind for the CSO to call u back..

Bro, I jus tried calling. First cso that answered ask me to wait and then line got cut. I called again and second cso checked for me within 2 min, jus need nric number.

 

[Myst84]

I think each time the bank asked for the ** for DCP, ** rating seems to be much better in a way. If there are not request then there might be a case of status quo.

Think not applicable for all case. Just sharing, applied to HSBC on 17/3, cso emailed ask for some amendments. To and fro few times, last submission to them 24/3. 3/4 went in check credit report, saw HSBC requested and my rating drop from cc to ee. Today called, they told me still processing and to check back next week.

For HSBC if they reject, will they notify or we need to keep calling and asking?

 

[Carlingford]

Thanks for the info...I just called .. it is still in final stage of approval..They ask me to call back tomorrow evening after 5pm..

Bro, I jus tried calling. First cso that answered ask me to wait and then line got cut. I called again and second cso checked for me within 2 min, jus need nric number.

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[Myst84]

Thanks for the info...I just called .. it is still in final stage of approval..They ask me to call back tomorrow evening after 5pm..

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All the best! Hope to hear good news from you tml evening

 

[Carlingford]

Thanks ! Fingers crossing damn hard now

All the best! Hope to hear good news from you tml evening

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[CeSaRiO]

HSBC also never give me any free report. So far only BOC

Citibank never give me any reports as well. But sometimes this type of cost is bo pian must pay one..

 

[CeSaRiO]

Think not applicable for all case. Just sharing, applied to HSBC on 17/3, cso emailed ask for some amendments. To and fro few times, last submission to them 24/3. 3/4 went in check credit report, saw HSBC requested and my rating drop from cc to ee. Today called, they told me still processing and to check back next week.

For HSBC if they reject, will they notify or we need to keep calling and asking?

This I'm not too sure though..

 

[CeSaRiO]

Thanks ! Fingers crossing damn hard now

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Wish you all the best bro.

 

[Carlingford]

Thanks bro....

Wish you all the best bro.

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[rayden]

Wow apparently DBS has the highest e.i.r at 18%? That's wow

 

[endorphin]

Thanks for the info...I just called .. it is still in final stage of approval..They ask me to call back tomorrow evening after 5pm..

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Waiting for your good news

 

[ohsoon]

OCBC is tough because they only got 8 years 6%..No lesser than 8 years.
Citi mentioned they only got 5 years no more 6 years and 7 years
Dbs offer 12%pa... Maybank up to 10 years

 

[ohsoon]

Was told try not to get the maximum tenor hard to approve.

 

[Carlingford]

Thanks sis...

Waiting for your good news

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