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Adult, Bride, Female

Important Reminders and Tips for Managing Your Credit Card

At Standard Chartered, we believe in fostering transparency and ensuring that our clients have a clear understanding of their credit card accounts. We would like to take this opportunity to raise awareness about some important aspects related to your credit card, which may affect your overall banking experience.

Late Payment Fees on Credit Cards

We would like to remind you that timely payment of your credit card bill is crucial to avoid incurring late payment fees. Missing your payment due date may result in additional charges, which can be easily avoided by ensuring prompt payment.

Finance Charges on Credit Cards

Finance charges are incurred when you carry forward an outstanding balance on your credit card. These charges are applied to the remaining balance after the payment due date. To minimize finance charges, we recommend paying your credit card bill in full each month.

Trailing Interest on Credit Cards

Trailing interest refers to the interest charged on your credit card balance in the statement period following the payment of your full outstanding balance. It covers the interest accrued on a daily basis during that cycle, before the outstanding balance was cleared. It’s important to note that trailing interest is only applicable if the full outstanding balance is not paid by the payment due date. To avoid incurring trailing interest charges, we recommend paying your credit card bill in full each month.

Annual Fee Reversals on Credit Cards

Certain credit cards may have an annual fee associated with them. Some banks may reverse/waive your annual fees based on your banking relationship and card usage.

Standing Instruction for Card Payments

Setting up a standing instruction for your credit card payments ensures that your bills are paid on time automatically. This way, you can avoid any late payment fees and maintain a good credit history.

We hope that this email has provided you with valuable insights into some important tips on managing a credit card.

We remain committed to providing you with exceptional service and ensuring your banking experience is smooth and transparent.