Having a credit line or card these days isn't just about convenience; it's also an important and necessary tool in times of crisis, emergencies, or even for major decisions such as buying a property. Leveraging on credit facilities makes managing your money easier, but it's also a big responsibility. As a market leader in the banking and finance sector, we believe in empowering not just our customers but also the general public with information and solutions to help you make sound financial decisions. The more you know about credit, the more likely you are to use this powerful tool wisely.
With our Use Credit Wisely publication and website, we aim to reach out to a wider audience, offering advice and solutions that are relevant and beneficial.
As we make choices in a complex world, financial literacy is a key asset to achieving your life aspirations and objectives. I hope you will find the information on this website useful, and enjoy surfing!
Anil Wadhwani
Head of Consumer Markets
Citi Singapore
Promoting the responsible use of credit and money management through education has always been our key priority at Credit Counselling Singapore. While credit, if used wisely, can be useful and productive, it can lead to unmanageable debt and financial crisis when used improperly, as much of our counselling experience has shown.
It is therefore very important that credit should always be used prudently and responsibly and individuals should know how to manage credit. We hope that you will gain useful insight and ideas through this website.
Kuo How Nam
President
Credit Counselling Singapore
This is part of Citi’s continued efforts in financial education.
For more information on Citi Financial Education, please visit http://financialeducation.citi.com/citi/homepage/index.htm. |
Debt-to-Income Ratio