DBS Credit Cards Credit Limit Review Application

______________________________________________________________________________
Please print, sign and mail the form to us with the mandatory income documents to:
DBS Bank Ltd, Bedok Central Post Office, Locked Bag Service No. 1, Singapore 914686.
Alternatively, you may fax it to (65) 6789 6031.
Kindly allow 10 working days for the processing of your application. Applications not accompanied with mandatory income documents or with
incomplete information will cause a delay in processing.
You will be notified of the outcome of your application status by mail.
1.Personal Details
Title

Mr.

Name

Tan Teck Hon Nicholas

Credit Card Number

4119110091089620

Nationality

Singaporean

NRIC/Passport Number

S8624981B

Home Country

Singapore

Home Number
Office Number
Mobile Number

+65 83823608

Email

nickstar230@hotmail.com

2. Employment Details
Name of Current Company

Singapore Armed Forces

Employment Status

[E] Employee

If Others

Job Title

[02] Professional

If Others

Length of Current Employment

11 Years 00 Months

Salary Crediting into DBS/POSB

Account

Yes

DBS/POSB Account Type

POSB PASSBOOK/SAVINGS

DBS/POSB Account Number

126844751

Submit CPF Online

No

Credit Limit Preference

Preferred Credit Limit

S8624981B

S$ No Preference

Tan Teck Hon Nicholas

2016031240029

pagebreak
Acceptance ofDeclaration/Terms and Conditions
I have read and understood the Declaration set out in this form.
I affirm the said Declaration and agree to abide and be bound by the matters stated therein.

X
Principal Applicant's Signature
(Please sign within the box)

Date

05-CCQ1SN0211
FOR BANK'S USE
CDM No.

2016031240029

702/311

Remarks:

S8624981B

Tan Teck Hon Nicholas

2016031240029

Line Review

DBS Bank Ltd

DBS Card Services
Orchard P.O. Box 360
Singapore 912312

BUSINESS REPLY SERVICE

PERMIT NO: 04930

DBS Bank Ltd

DBS Card Services
Orchard P.O. Box 360
Singapore 912312

BUSINESS REPLY SERVICE

PERMIT NO: 04930

DBS Bank Ltd

DBS Card Services
Orchard P.O. Box 360
Singapore 912312

DBS Bank Ltd

Bedok Central Post Office
Locked Bag Service No. 1
Singapore 914686

BUSINESS REPLY SERVICE

PERMIT NO: 07040

Please fold along dotted line

3) Seal all 3 sides with glue,

encasing your supporting
documents and mail.

BUSINESS REPLY SERVICE

PERMIT NO: 04930

2) Attach your supporting

documents within.
Postage will be
paid by addressee,
For posting in
Singapore only.

Postage will be
paid by addressee,
For posting in
Singapore only.

1) Fold this in half with the

mailing details exposed.

Postage will be
paid by addressee,
For posting in
Singapore only.

Postage will be
paid by addressee,
For posting in
Singapore only.

How to use this postage-paid return envelope:

glue on all 3 sides

Customers Copy

DBS/POSB Credit Cards and DBS Cashline Credit Limit Review Terms and Conditions
(A) Explanatory Notes on Credit Limit
The overall aggregate credit limit granted by DBS Bank Ltd (DBS) for Singapore Citizens/ Singapore
Permanent Residents with a gross annual income of:
at least S$20,000 but less than S$30,000 is up to a maximum of 2 times your monthly
income in respect of any DBS/POSB Unsecured Loans Facilities;
at least S$30,000 but less than S$120,000 is up to a maximum of 4 times your monthly
income in respect of any DBS/POSB Credit Cards and Unsecured Loans Facilities; or
at least S$120,000 is up to 4 times your monthly income or a higher limit as may be
determined by DBS in respect of any DBS/POSB Credit Cards and Unsecured Loans
Facilities;
regardless of the number of DBS/POSB Credit Cards and/or Unsecured Loans Facilities you hold or
apply for.
(B) Terms and Conditions
1. The credit limit review and revision is conducted at absolute discretion of DBS. DBS will in its
absolute discretion, determine the credit limit based on income information provided and its credit
and risk management policies.
2. DBS will automatically assign a final credit limit apportionment between DBS/POSB Credit
Card(s) and/or Unsecured Loan Facilities at DBS discretion.
3. Submission of all relevant mandatory income documents as stipulated are also required. Income
documents are not required on condition that your salary is credited via GIRO to your own
personal DBS/POSB Account for the last 3 consecutive months.
4. Should your submitted income documents reflect a lower-earned income than what was
previously declared, DBS has the right to adjust the current credit limit to reflect the prevailing
earned income.
5. Your credit limit will be re-adjusted if you subsequently take up any unsecured credit facilities,
such that your aggregate credit limit for all unsecured credit facilities do not exceed the maximum
credit limit granted to you.
(C) Mandatory Income Document
Please submit either one of the documents as applicable to you below.
For Salaried Employees
a) Latest 12 months CPF Contribution History
Statement submitted via:
i. www.dbs.com.sg/personal/cpfsubmit
with
Singpass+
ii. hardcopy enclosed
b) Latest Computerised Payslip
c) Salary Crediting into DBS/POSB Account^^
d) Latest Income Tax Notice of Assessment** with
either (a) OR (b) OR (c)

For Self-Employed
Latest 2 years Income Tax Notice of Assessment**

For Variable/Commission-based Employees

a) Latest 12 months CPF Contribution History
Statement submitted via:
i. www.dbs.com.sg/personal/cpfsubmit
with
Singpass+
ii. hardcopy enclosed
b) Latest 2 years Income Tax Notice of
Assessment**

For Foreigners*
Employment Pass (with at least 6 months validity)
AND
a) Latest Computerised Payslip (in Singapore Dollar
currency)
b) Company Letter certifying Employment and Salary
(in Singapore Dollar currency), dated within 3
months
c) Salary Crediting into DBS/POSB Account^^
d) Latest Income Tax Notice of Assessment** with
either (a) OR (b) OR (c)

Please note that your CPF documents submitted online are only available for up to 7 days from the date of your submission.
For CPF Contribution History Statement submission, the maximum credit limit is calculated based on the CPF salary ceiling
of S$6,000 per month.
** You can now print your Income Tax Income Notice of Assessment at myTax Portal with your Singpass or IRAS Pin. The
service is free. Log on to https://mytax.iras.gov.sg for more details
^^ Income documents are not required on condition that your salary is credited via GIRO, to your own Personal DBS/POSB
Account for the last 3 consecutive months.
* Please update us immediately if you are granted Singapore Citizenship or Permanent Resident status by the Singapore
Government.
+

Customers Copy

(D) Declaration (Ref V1. Sep 2015)

1. I/We have read and agree to be bound by the DBS/POSB Credit Cards and DBS Cashline Credit
Limit Review Terms and Conditions governing this application.
2. I/We hereby declare and warrant that the information given in this application and all documents
submitted to you are complete, true and accurate and belong to you absolutely and that I/We
have not withheld any material fact. If any of the information herein changes or becomes
inaccurate in any way, I/We shall immediately notify you of any such change and inaccuracy.
3. If this application is or is purported to be sent by me/us to you by fax, you are authorised by
me/us, but are not obliged, to accept, rely upon and act in accordance with the faxed copy of the
application without waiting for the original application and without any liability to me/us.
4. I/We hereby authorise and give you consent to:
a) conduct credit checks on me/us (including but not limited to credit checks, background
checks, character assessment checks and checks with any credit bureau recognised as such
by the regulatory authorities) (collectively the Checks); and
b) obtain/verify/disclose/release any information relating to me/us from or to any other party or
source (including my/our employer) as you may deem necessary for this application and/or
determining my/our credit limit and/or income at your sole discretion and without any liability
or notice to me/us, or as may be required by any applicable law, court, regulatory or legal
process.
5. I/We represent that I/We am/are not an undischarged bankrupt and there has been no statutory
demand issued to me/us or legal proceedings commenced against me/us.
6. I/We acknowledge and agree that the submission of this application form does not automatically
indicate that you will approve my/our application. I/We understand and agree that you reserve the
right to decline this application at your absolute discretion without giving any reason whatsoever.
7. Notwithstanding this application pertaining to the account(s) herein, I/We authorise you to review
and accordingly adjust the credit limit of my/our DBS/POSB Credit Card(s) and/or DBS Cashline
Account with such limit as you may from time to time consider appropriate.
8. All terms and conditions governing my DBS/POSB Credit Card(s) and/or DBS Cashline Account
(as the case may be) shall remain and continue in full force and effect.
9. For Supplementary Cardholder Credit Limit Review application: Yes, I/We consent to allow the
Supplementary Cardholder(s) indicated to be granted the same credit limit that is shared with the
Principal Cardholder. If no consent is given, the credit limit for the Supplementary Cardholder(s)
will remain unchanged.
10. Notwithstanding that my/our credit limit review application may be unsuccessful, I/we
acknowledge and agree that DBS has the right to update my/our prevailing earned income(s) in
DBS' records.