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Anonymous

21 Aug 2020

∙

Hey, new to credit card here. I am looking to get a Credit card from UOB or Stan Chart but I have no saving account with them. Is okay right? And...?

Any ways to ensure I made payment for my credit card on time? I was thinking of giro but will the giro delay causing additional surcharg?. Pls advice me on what to do thanks

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Jonathan Chia Guangrong

21 Aug 2020

SOC at Local FI

Yup it's fine to apply for credit cards with banks that you do not have a banking relationship with. I did that all the time in the past.

Personally I won't suggest giro as I prefer to scrutinise the statement before making payment.

Do pay off your balance as per the statement in full to get a good credit score.

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ZY

21 Aug 2020

It's perfectly okay to apply a credit card without having a savings account with them.

GIRO is fine. Since the billing organisation (your credit card) is the one initiating the transfer, they cannot blame you for the delay, unless there were insufficient funds in your account.

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