Standard Chartered Smart Credit Card Processing fee for Instalment

Yes. Be careful when you submit your application online. The system is slow. You have to wait a few days before you even get a confirmation. Then it will start billing you in 3/6/12 month instalment, depending on which one you choose. I paid a small amount of $500+ with zero instalment fees. Another amount is about $720+ in 3 instalments and the service fee is less than $2.00.

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For the $720+ bill, because of a system glitch, I submitted the application twice and OMG...the hassle I had to go through! From chatting with customer service online, to calling the banks several time and each time a different person picks up and you have to repeat your story, and finally I went to the physical bank in person to chase them to settle the double payment. Even after the visit, it took them 2-3 weeks more to settle it.

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After this experience, I consider more carefully if I can wait to purchase a big ticket, so I can pay it off, rather than burdening myself with instalments that drag on for months.

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The service looks attractive, but when you need customer service, it's so bad and you waste a lot of time trying to get to a real human being to speak to you and handle your case.

Hi! Perhaps you can give this a try:

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https://www.sc.com/sg/bank-with-us/manage-your-...