Debt consolidation Plan

[rik84]

Got it, PM'ed you.

Hi Jojo, your pm is full . Possible to share cso contact for your SCB and Maybank ?

 

[Youandme8888]

Bro JoJo, your inbox is full

Just a quick question, how will I know whether maybank had purchased my report after my submission yesterday?

Understand that I will be entitled a free report from CBS for 30days of enquiries from the bank right?

Thanks

 

[SadSorrow]

Bro JoJo, your inbox is full

Just a quick question, how will I know whether maybank had purchased my report after my submission yesterday?

Understand that I will be entitled a free report from CBS for 30days of enquiries from the bank right?

Thanks

the cbs report will show which bank enquiry abt yr report

 

[SadSorrow]

yes u will get a free report for any new product submission for new bank

 

[bozoka86]

any bro here have dcp with cimb?

 

[Jaychou1309]

I applied in nov last year and was rejected too

Bro, why didn't you applied for maybank?

 

[Jaychou1309]

SCB told me not to bother if my rating is beow GG

Bro, please don’t waste your time on DBS... try other banks like Maybank or SCB.. DBS is... good luck. Lol

 

[Jojodespo]

So sorry bro!

Yeah lots of queries coming in haha.

I worries sure I can send them over to you. I’ve cleared some of my messages and you can PM me again

Hi Jojo, your pm is full . Possible to share cso contact for your SCB and Maybank ?

 

[Jojodespo]

Hey bro;

You can go back to he CBS website and click on “get CBS report”.

If you are able to see a Free credit report there, that means the bank already checked your CBS.

But please don’t go and take this free report yet, get it on the next month, cos you have 30 days that you can keep it free for.

Bro JoJo, your inbox is full

Just a quick question, how will I know whether maybank had purchased my report after my submission yesterday?

Understand that I will be entitled a free report from CBS for 30days of enquiries from the bank right?

Thanks

 

[Jojodespo]

Try for UOB or HSCB.

I applied in nov last year and was rejected too

 

[rik84]

So sorry bro!

Yeah lots of queries coming in haha.

I worries sure I can send them over to you. I’ve cleared some of my messages and you can PM me again

Thanks! Just PM you.

 

[Youandme8888]

SCB told me not to bother if my rating is beow GG

What's your credit rating?

 

[Youandme8888]

Hey bro;

You can go back to he CBS website and click on “get CBS report”.

If you are able to see a Free credit report there, that means the bank already checked your CBS.

But please don’t go and take this free report yet, get it on the next month, cos you have 30 days that you can keep it free for.

Thanks for the sharing

Hope everything will be approved by MBB

Thanks for the guidance through the way

 

[B@@mmy]

I will PM you

unable to PM, any other way to advise the contact[/QUOTE][/QUOTE]
Did not get your PM, possible to send me again.. Thks..

 

[garyjuve90]

Hey guys, my debt is currently at 22k with cc/cashline. I don’t want the debt to snowball. Is there anyway to loan a amount to clear all the bank debt and repay at one lender? Because dcp only allows 12x or more

 

[Jojodespo]

Yo Bro,

PMéd

unable to PM, any other way to advise the contact

[/QUOTE]
Did not get your PM, possible to send me again.. Thks..[/QUOTE]

 

[Jojodespo]

hey bro!

Will need to know what your monthly income is first, then we can advise you further.

If your monthly income makes your BTI less than 12x, then it is advisable that you do your own self-DCP by taking up cashline/balance transfer and paying it off monthly. (MUST BE VERY VERY DILIGENT, don't waver and end up paying more in interest).

Cheers!

Hey guys, my debt is currently at 22k with cc/cashline. I don’t want the debt to snowball. Is there anyway to loan a amount to clear all the bank debt and repay at one lender? Because dcp only allows 12x or more

 

[Jojodespo]

They are useful only if you are in very dire state and if you accept the fact that when you're on DMP, you will have totally no access to any form of unsecured credit. DCP allows you to have a 1x monthly revolving credit card.

Most of us prefer DCP because after DCP, we can unsuspend our cards and cashlines again... for future use. But of course, we learnt the hard way... doubt we will wanna do such things again. Furthermore, a few years later, MAS ruling will hit us hard to only allow unsecured credit of a total of only 12X monthly salary... if not they can suspend and eventually fine us -.-!

Hi
Anybody still approach Credit Counselling Singapore? Are they still useful for people with debts?

 

[garyjuve90]

Thanks Bro, my monthly income is 2.8. I know about balance transfer and stuff but my credit rating is bad and I don’t know if bank will still approve them.

hey bro!

Will need to know what your monthly income is first, then we can advise you further.

If your monthly income makes your BTI less than 12x, then it is advisable that you do your own self-DCP by taking up cashline/balance transfer and paying it off monthly. (MUST BE VERY VERY DILIGENT, don't waver and end up paying more in interest).

Cheers!

 

[Manythanks]

Just got rejected by dbs. Applying mbb now. Anyone successful with mob?