HL Low

02 Aug 2019

∙

Will my credit score be affected if I spend less than the minimum spend on that credit card?

Will my credit score be penalised or face any sort of changes if I don't hit the minimum spend? Am I still entitled to the flat cashback too?

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YOC

01 Sep 2022

I dont think so. at least mine hasnt.

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Kenneth Chan

02 Aug 2019

Short answer: No.

But you shouldn't be really too bothered about your "credit score" unless you are planning to take out a loan in the future.

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Aik Kai

01 Aug 2019

Hi there,

No, your credit score will not be affected. Credit score or rating is a rating assigned ...

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I am currently a student (above 21yo). I have a few debit cards used for shopping and daily needs. I dont have any cashflow issues or budget problems, and I do not spend unnecessarily. Should I apply for a credit card to improve my credit score?

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