How do I build a credit score as an expat in Singapore? I own multiple credit cards and pay all bills in full before the due date, but still don't have a credit score according to CBS. Any idea why?

Are your credit cards issued by banks in SG? Are the cards you mentioned debit cards instead of credit? Or is there a mismatch in type of identification used (banks use passport number while CBS use FIN)? The clearest way to find out is to contact CBS directly. (Actually, owning multiple credit facilities lowers the credit score since it suggests the person is credit hungry.)

Based on what you have listed, it does suggest there should be some credit score since you have owned the credit cards for more than 6 months. If the response from CBS is unsatisfatory, you can request for an investigation. If you are not satisfied with the investigation report, you can request for the Compliance Committe too look into it. ​​​