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With writing history at SingSaver, INK, and ohmyhome, Marissa leverages her broad range of experiences to simplify finance and make readers financially savvy.","https:\u002F\u002Fwww.linkedin.com\u002Fin\u002Fmarissa-saini-b2b1b713b\u002F","Writer","marissa-saini",[1179,1189,1197,1205,1224,1232,1240,1248,1257,1269,1277,1288,1296,1307,1315,1326,1334,1342,1350,1364,1387,1399,1422,1441,1449,1462,1485,1497,1509,1515,1523,1542,1560,1568,1576,1584,1592,1604,1612,1624,1636,1648,1656,1668,1676,1684,1692,1700,1954,1962,1969,1977,1985,1993,2001,2009,2017,2025,2033,2040,2047,2055,2063,2070,2078,2086,2094,2102,2109,2116,2124,2132,2139,2147,2155,2163,2171,2179,2186,2193,2201,2208,2215,2234,2242,2250,2269,2277,2285,2292,2311,2319,2327,2335,2343,2351,2359,2367,2374,2382,2390,2397,2405,2413,2421,2429,2448,2455,2463,2471,2478,2489,2497,2505,2512,2520,2528,2536,2543,2551],{"_key":1180,"_type":170,"children":1181,"markDefs":1187,"style":1188},"k2",[1182],{"_key":1183,"_type":174,"marks":1184,"text":1186},"k1",[1185],"strong","What are secured credit cards?",[],"h2",{"_key":1190,"_type":170,"children":1191,"markDefs":1196,"style":190},"k5",[1192],{"_key":1193,"_type":174,"marks":1194,"text":1195},"k4",[],"Although limited, secured credit cards in Singapore are designed for businesses (or individuals) with not-so-good credit scores. They are typically provided to fulfil a company’s requirement for credit card with a huge credit line despite having a poor credit score. However, this would require you to provide collateral, typically a fixed deposit of at least SGD $10,000.",[],{"_key":1198,"_type":170,"children":1199,"markDefs":1204,"style":190},"k8",[1200],{"_key":1201,"_type":174,"marks":1202,"text":1203},"k7",[],"One of the main benefits of these cards is that they offer you the flexibility to either make regular payments or pay later with interest. If you are unable to repay a credit amount, banks use collateral to offset the debt, making this a secured option.",[],{"_key":1206,"_type":170,"children":1207,"markDefs":1221,"style":190},"k16",[1208,1212,1217],{"_key":1209,"_type":174,"marks":1210,"text":1211},"k13",[],"A secured credit card in Singapore typically requires the cardholder to provide collateral (in the form of specified deposits) in order to secure the credit line. Under ",{"_key":1213,"_type":174,"marks":1214,"text":1216},"k14",[1215],"k10","the Banking (Credit Card and Charge Card) Regulations 2013",{"_key":1218,"_type":174,"marks":1219,"text":1220},"k15",[],", card issuers may only offer secured credit cards if the customer pledges a deposit of at least SGD $10,000 at the time of application.",[1222],{"_key":1215,"_type":188,"externalUrl":1223,"linkType":145},"https:\u002F\u002Fsso.agc.gov.sg\u002FSL\u002FBA1970-S729-2013?DocDate=20170530",{"_key":1225,"_type":170,"children":1226,"markDefs":1231,"style":190},"k19",[1227],{"_key":1228,"_type":174,"marks":1229,"text":1230},"k18",[],"When exactly can a secured credit card help you? Imagine you’ve just founded your company and purchased a new office, but don’t have enough funds to cover the office setup and initial inventory. At the same time, you realise that you have a poor credit score. With a secured credit card, you can access funds using a fixed deposit as collateral while gradually rebuilding your credit history.",[],{"_key":1233,"_type":170,"children":1234,"markDefs":1239,"style":1188},"k22",[1235],{"_key":1236,"_type":174,"marks":1237,"text":1238},"k21",[1185],"What are the features of secured credit cards?",[],{"_key":1241,"_type":170,"children":1242,"markDefs":1247,"style":190},"k25",[1243],{"_key":1244,"_type":174,"marks":1245,"text":1246},"k24",[],"Here are some features of a secured credit card you should know before applying:",[],{"_key":1249,"_type":170,"children":1250,"markDefs":1255,"style":1256},"k28",[1251],{"_key":1252,"_type":174,"marks":1253,"text":1254},"k27",[1185],"Credit limit",[],"h3",{"_key":1258,"_type":170,"children":1259,"markDefs":1268,"style":190},"k33",[1260,1264],{"_key":1261,"_type":174,"marks":1262,"text":1263},"k31",[1185],"‍",{"_key":1265,"_type":174,"marks":1266,"text":1267},"k32",[],"It is the maximum amount that can be spent on a secured credit card. In most cases, it is 80% to 100% of the collateral.",[],{"_key":1270,"_type":170,"children":1271,"markDefs":1276,"style":1256},"k36",[1272],{"_key":1273,"_type":174,"marks":1274,"text":1275},"k35",[1185],"Cash transaction charges",[],{"_key":1278,"_type":170,"children":1279,"markDefs":1287,"style":190},"k41",[1280,1283],{"_key":1281,"_type":174,"marks":1282,"text":1263},"k39",[1185],{"_key":1284,"_type":174,"marks":1285,"text":1286},"k40",[],"It is the interest charged on all cash transactions, such as withdrawals from ATMs.",[],{"_key":1289,"_type":170,"children":1290,"markDefs":1295,"style":1256},"k44",[1291],{"_key":1292,"_type":174,"marks":1293,"text":1294},"k43",[1185],"Interest charges",[],{"_key":1297,"_type":170,"children":1298,"markDefs":1306,"style":190},"k49",[1299,1302],{"_key":1300,"_type":174,"marks":1301,"text":1263},"k47",[1185],{"_key":1303,"_type":174,"marks":1304,"text":1305},"k48",[],"Interest is charged on balances not paid by the statement due date, just like with a regular credit card. Even so, the interest rate may be lower than that of a regular or unsecured credit card.",[],{"_key":1308,"_type":170,"children":1309,"markDefs":1314,"style":1256},"k52",[1310],{"_key":1311,"_type":174,"marks":1312,"text":1313},"k51",[1185],"Credit tracking",[],{"_key":1316,"_type":170,"children":1317,"markDefs":1325,"style":190},"k57",[1318,1321],{"_key":1319,"_type":174,"marks":1320,"text":1263},"k55",[1185],{"_key":1322,"_type":174,"marks":1323,"text":1324},"k56",[],"Information about your purchases and credit repayment history will be sent to credit bureaus by credit card companies.",[],{"_key":1327,"_type":170,"children":1328,"markDefs":1333,"style":1188},"k60",[1329],{"_key":1330,"_type":174,"marks":1331,"text":1332},"k59",[1185],"What are the pros and cons of using a secured credit card?",[],{"_key":1335,"_type":170,"children":1336,"markDefs":1341,"style":190},"k63",[1337],{"_key":1338,"_type":174,"marks":1339,"text":1340},"k62",[],"Before applying for a Singapore secured credit card, it's helpful to understand its pros and cons. Let's take a look.",[],{"_key":1343,"_type":170,"children":1344,"markDefs":1349,"style":1256},"k66",[1345],{"_key":1346,"_type":174,"marks":1347,"text":1348},"k65",[1185],"Pros of a Singapore secured credit card",[],{"_key":1351,"_type":170,"children":1352,"level":1361,"listItem":1362,"markDefs":1363,"style":190},"k73",[1353,1357],{"_key":1354,"_type":174,"marks":1355,"text":1356},"k71",[1185],"Financial Security –",{"_key":1358,"_type":174,"marks":1359,"text":1360},"k72",[]," This card is available to anyone, even those with poor credit histories. Thus, it provides your business with financial security.\n‍",1,"number",[],{"_key":1365,"_type":170,"children":1366,"level":1361,"listItem":1362,"markDefs":1384,"style":190},"k85",[1367,1371,1375,1380],{"_key":1368,"_type":174,"marks":1369,"text":1370},"k81",[1185],"Build Credit History –",{"_key":1372,"_type":174,"marks":1373,"text":1374},"k82",[]," Every company deserves a second chance. Making timely payments with this card will help you build your credit score. In Singapore, your repayment behaviour is ",{"_key":1376,"_type":174,"marks":1377,"text":1379},"k83",[1378],"k76","officially recorded by the Credit Bureau Singapore (CBS)",{"_key":1381,"_type":174,"marks":1382,"text":1383},"k84",[],", the central agency licensed under the Banking Act to maintain credit records. By making timely payments, you strengthen your profile in the CBS database, which banks and financial institutions check before extending larger credit facilities.\n‍",[1385],{"_key":1378,"_type":188,"externalUrl":1386,"linkType":145},"https:\u002F\u002Fwww.moneysense.gov.sg\u002Fcredit-reports-and-creditworthiness\u002F",{"_key":1388,"_type":170,"children":1389,"level":1361,"listItem":1362,"markDefs":1398,"style":190},"k92",[1390,1394],{"_key":1391,"_type":174,"marks":1392,"text":1393},"k90",[1185],"Time to Settle debt –",{"_key":1395,"_type":174,"marks":1396,"text":1397},"k91",[]," Until the bill is due, you have some time to source and repay the amount interest-free.\n‍",[],{"_key":1400,"_type":170,"children":1401,"level":1361,"listItem":1362,"markDefs":1419,"style":190},"k102",[1402,1406,1410,1415],{"_key":1403,"_type":174,"marks":1404,"text":1405},"k98",[1185],"Track Expenses –",{"_key":1407,"_type":174,"marks":1408,"text":1409},"k99",[]," Using a card for all your ",{"_key":1411,"_type":174,"marks":1412,"text":1414},"k100",[1413],"k95","business expenses",{"_key":1416,"_type":174,"marks":1417,"text":1418},"k101",[]," helps you keep track of them in one place.",[1420],{"_key":1413,"_type":188,"externalUrl":1421,"linkType":145},"https:\u002F\u002Faspireapp.com\u002Fblog\u002Feverything-you-need-to-know-about-building-your-corporate-card-expense-policy",{"_key":1423,"_type":170,"children":1424,"markDefs":1438,"style":190},"k110",[1425,1429,1434],{"_key":1426,"_type":174,"marks":1427,"text":1428},"k107",[],"Here's a side note: Are you having trouble managing your company's spending? With Aspire, you can now manage your company's expenses effectively and with real-time visibility. View Aspire’s ",{"_key":1430,"_type":174,"marks":1431,"text":1433},"k108",[1432,1185],"k104","Spend Management Services",{"_key":1435,"_type":174,"marks":1436,"text":1437},"k109",[]," now.",[1439],{"_key":1432,"_type":188,"externalUrl":1440,"linkType":145},"\u002Fexpense-management",{"_key":1442,"_type":170,"children":1443,"markDefs":1448,"style":1256},"k113",[1444],{"_key":1445,"_type":174,"marks":1446,"text":1447},"k112",[1185],"Cons of a Singapore secured credit card",[],{"_key":1450,"_type":170,"children":1451,"level":1361,"listItem":1460,"markDefs":1461,"style":190},"k120",[1452,1456],{"_key":1453,"_type":174,"marks":1454,"text":1455},"k118",[1185],"Penalty –",{"_key":1457,"_type":174,"marks":1458,"text":1459},"k119",[]," Defaulted credit card payments will be subject to late payment fees. 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