Getting A Credit Card As An NSF?

I'm about to enlist for NS next month. I'm considering getting a credit card to start working up my credit score so it'll be easier to get credit cards with even better perks when I do start getting a full-time job and become eligible for those.

But does it make sense to get a credit card during my 2 years?

Would banks even approve of me getting one since NS allowance isn't technically considered a "salary"?

If so, what cards would you recommend? (I have good spending and budgeting habits and I know I will be able to pay the bills in full on time)

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D T

09 Aug 2022

Hi Jovan, just curious, if u are a NsF now, why would you want to be so eager to start working up your credit score? Are you planning to get a loan in the short term?

If not, your score will just be NA meaning u have limited info. This is no issue at all.

On the other hand, if you start using a card, if you don't track it well, you end up making late payments and damaging your credit score 😅

I suggest you stick with debit card promos like grabpay to maximise the reward points. Even if you get a credit card now, the options are limited and the rewards won't be impressive.

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Nikki Romero

05 Aug 2022

Associate at Social Service

Doubt you can apply for student cards as you're graduating/graduated.

You can opt for Maybank Evibes or CIMB AWSM, both of which allow NSF applications by providing 11B proof. I personally applied both while in NS awhile back :)

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AKSKMY

04 Aug 2022

I'm about 1 year in. At first I also had the thought of it but most of them require you to either sp...

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