Good question, I'm curious as well. I have acquaintances (FAs) coming up to ask me to meet for meals etc but I don't really trust those kind of people...

Hi! If you open up a "Loan Account" in the second tab of your app, you can set the balance to negative, and subsequently, add "income transactions" to that account to keep track of your loan repayment!

Hey! Understand all these can be confusing to you, I'd start off with a brief intro to how credit cards work: Let's say you have $1000 in your bank. You use your credit card to pay for this month's phone bill, food and transport ($225). What it means is that your bank will still have $1000 for the whole of October, and you only need to pay that $225 next month as a whole to DBS. Let's say in Sept you cannot afford to pay DBS that $225 you owe, that's where you would incur the monthly repayment of 3%, where you have to pay them interest. If you pay DBS on time every month, then you don't have to worry about this at all. So what are the benefits of getting a credit card then? 1. Monthly cashback 2. The higher interest rate in Multiplier account. For monthly cashback, you get 5% cashback on everything you spend on Paywave and online (capped at $20 each respectively). This means to maximise your cashback, you should aim to pay for your food with Paywave and pay your phone bills online. Otherwise, this segment could be quite redundant for you given your spending habits.

Hey! Here's a list of investment courses providers and the reviews by users! hope it's helpful for you https://seedly.sg/reviews/investment-courses

Hey there! You might want to check out Seedly Reviews where users leave their experiences with these financial products, https://seedly.sg/reviews/credit-cards All the best!

Hey! Is this your first card? For me the Live Fresh card is my base card because you get up to $20 cashback on online spend (total $400) and $20 cashback on paywave (total $400), I usually spend using these two methods so most months I can get $40 back. On top of that, for big ticket items like plane tickets or travel accoms I use another miles card to book!

If you want to get the benefits so much why don't you just offer to pay first? Or you can just say you want to rewards so you would like to pay first. Usually, I just let them know and most people don't mind... especially if they are good friends!

How about Financial Literacy for people of different income brackets? I think it's interesting to find out if family background/environment affects the level of financial literacy and if this leads to a "vicious cycle" eg. the poorer you are the less savvy you are hence worsening your situation. Please update us on what you decided to write in the end! Super interesting!

Hi! I've just closed my account recently, here's what you can do: 1. Log in to DBS ibanking on your desktop. 2. Under Request , select More Requests . 3. Find the section Other Services , and select Close Deposit Account . 4. Authenticate with your digital token . 5. Select the account you wish to close. Do note that in order to close an account, you need to first transfer out remaining funds in the account, if not you will not be able to proceed! 6. Check to make sure you got the information right and click the submit button. Do note that all ATM and debit card tagged to the account will be automatically cancelled when account closure is processed!

There are two ways to get your fee waiver. 1. Request using iBanking - Login to your iBanking - Select the message icon on the top right - Select Compose - Choose Late Fee Waiver - Fill up form accordingly to submt fee waiver 2. Request using Phone Banking - Dial 1800 111 1111 (from Singapore) or (+65) 6327 2265 (from Overseas) . - For English menu, press 1 . For Mandarin menu, press 2 . - Enter your NRIC / Debit Card no. / Credit Card no. or Phone Banking User ID . - Enter your Phone Banking PIN . If you don’t have a Phone Banking PIN, press 1 . - Press 2 for our Fee Waiver Menu. - Press 1 for Credit Card Fee Waiver or Press 2 for Cashline Fee Waiver. The Bank will review your waiver eligibility and an SMS will be sent to your registered handphone number within 3 working days.