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!