Responsible Borrowing

I understand the reminders about Responsible Borrowing:

  • I should have a clear understanding of my financial condition, daily expenses, and actual borrowing needs.
  • I should assess my repayment ability and avoid over-borrowing.
  • I should repay any outstanding balance on time to avoid overdue interest and late payment charge.
  • To borrow or not to borrow? Borrow only if you can repay!