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A credit card is a payment card issued to users (cardholders) to enable the cardholder to pay a merchant for goods and services based on the cardholder’s promise to the card issuer to pay them for the amounts plus the other agreed charges. The card issuer (usually a bank) creates a revolving account and grants a line of credit to the cardholder, from which the cardholder can borrow money for.
With credit card late payment fees now at S$100, it’s more important than ever for Singaporeans to pay their bills on time..
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So you’re in your 40s. You established credit accounts years (perhaps decades) ago and have maintained those accounts wisely.
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