GXS FlexiLoan
Learn about borrowing multiple loans, making repayments, as well as interest rates and fees.
- Product Overview & Features
- Am I allowed to have multiple loans simultaneously?
- Can I borrow more than one Balance Transfer from my GXS FlexiLoan?
- Can I borrow more than one Instalment Loan from my GXS FlexiLoan credit line?
- Is there a maximum limit to the number of GXS FlexiLoans I can hold or take?
- What are the core features of GXS FlexiLoan, and how do they work?
- What are the key benefits of taking/applying for a GXS FlexiLoan?
- What can I use my GXS FlexiLoan for?
- What is Balance Transfer?
- What is FlexiPay?
- What is GXS FlexiLoan?
- What is Instalment Loan?
- What is the difference between Instalment Loan and Balance Transfer?
- Eligibility & Application Process
- Are there any age restrictions for applying for a GXS FlexiLoan?
- How do I apply for a GXS FlexiLoan?
- How do I borrow an Instalment Loan from my GXS FlexiLoan credit line?
- How do I borrow a Balance Transfer loan from GXS FlexiLoan?
- How do I submit the documents for GXS FlexiLoan application?
- How long does it take to receive the application results for my GXS FlexiLoan?
- If rejected, how long must I wait before reapplying for GXS FlexiLoan?
- I declined my GXS FlexiLoan offer or my offer has expired. Can I reapply?
- I have a GXS FlexiCard account. Why can't I apply for GXS FlexiLoan?
- What are the eligibility criteria to apply for GXS FlexiLoan?
- What documents are required for the GXS FlexiLoan application?
- Why can't I take an Balance Transfer?
- Why can't I take an Instalment Loan?
- Why was my GXS FlexiLoan application rejected?/What does [Rejection Message] mean?
- Account Management
- Can I make changes to GXS FlexiLoan once I created it? (Rename, Change repayment dates etc.)
- Can I name the loans which I borrow from my GXS FlexiLoan credit line?
- How do I check my GXS FlexiLoan outstanding balance?
- How do I update my personal details (e.g., address, contact info)?
- How do I view my GXS FlexiLoan account details?
- How do I view the details of my past GXS FlexiLoan drawdowns/repayments?
- How soon after a successful application can I start borrowing from my GXS FlexiLoan?
- What happens if I miss a repayment on my GXS FlexiLoan?
- What is the maximum tenure of my GXS FlexiLoan
- What is the miniumum tenure of my GXS FlexiLoan
- What should I do if I lose access to my mobile device?
- Where can I view the loan details of my GXS FlexiLoan?
- Drawdowns & Borrowing
- Can I borrow multiple loans from a single credit line?
- Can I use my credit limit to transfer balances from other bank accounts?
- How do I borrow/draw down funds, and how long does it take to be credited to my account?
- How much of my credit limit can I utilise for a Balance Transfer loan?
- How much of my credit limit can I utilise for a Instalment Loan?
- How much will I receive when I take an Instalment Loan?
- How much will I receive when I take a Balance Transfer?
- Is there a maximum borrowing or drawdown limit for Balance Transfer?
- Is there a maximum borrowing or drawdown limit for Instalment Loan?
- Is there a minimum borrowing or drawdown requirement for Balance Transfer?
- Is there a minimum borrowing or drawdown requirement for Instalment Loan?
- What's the minimum/maximum Loan amount I can borrow from my credit line?
- What methods can I use to draw down or receive funds from my Balance Transfer?
- What methods can I use to draw down or receive funds from my Instalment Loan?
- Repayments & Excess Payments
- Are there any penalties for making early or partial repayments?
- Can I change my loan repayment date or loan tenure after borrowing a loan?
- Can I choose which day to pay my monthly repayments for my GXS FlexiLoan?
- Can I overpay my monthly repayment amount?
- Can I partially repay my monthly repayment amount?
- Can I repay my monthly repayment amount early?
- Do I incur any fees or penalties for early settlement or early repayment of my loan?
- How do I make my monthly repayments?
- How do I pay my monthly repayment amount early or make a partial repayment?
- How do I set up and use a specific payment method for repayments?
- How is the Balance Transfer minimum payment amount calculated?
- How is the Instalment Loan minimum payment amount calculated?
- How is the monthly repayment amount of my Balance Transfer loan calculated?
- How is the monthly repayment amount of my Instalment loan calculated?
- How to check what is my monthly repayment?
- Is there a minimum daily or monthly payment or repayment requirement? (For Balance Transfer)
- Is there a minimum daily or monthly payment or repayment requirement? (For FlexiPay)
- Is there a minimum daily or monthly payment or repayment requirement? (For Instalment Loan)
- What repayment methods are supported for my GXS FlexiLoan?
- When is my first monthly GXS FlexiLoan repayment due?
- Fees, Charges & Interest - Interest Calculation
- Are the loan interest rates fixed or subject to change?
- How are interest savings for my Instalment loan calculated?
- How is my Balance Transfer interest payable calculated?
- How is my FlexiPay interest payable calculated?
- How is my Instalment Loan interest payable calculated?
- How is the late interest for my Balance Transfer calculated?
- How is the late interest for my FlexiPay calculated?
- How is the late interest for my Instalment Loan calculated?
- What are Effective Interest Rate (EIR) and Annual Percentage Rate (APR) for my Balance Transfer?
- What are Effective Interest Rate (EIR) and Annual Percentage Rate (APR) for my Instalment Loan?
- What are the factors that determine my Balance Transfer interest rate?
- What are the factors that determine my Instalment Loan interest rate?
- What is the current interest rate for Balance Transfer, and where can I find it?
- What is the current interest rate for FlexiPay, and where can I find it?
- What is the current interest rate for Instalment Loan, and where can I find it?
- When and how frequently is interest charged or billed to my loan account?
- Fees, Charges & Interest - Fees & Credit Limits
- Are there any fees and charges associated with Tenure Extension?
- Are there any fees associated with Balance Transfer?
- Are there any fees associated with FlexiPay?
- Are there any fees associated with Instalment Loan?
- Are there transaction fees for drawdowns or repayments?
- If I miss a repayment or pay less than the minimum, will I be charged a late fee or late interest?
- Is there an annual fee or maintenance fee for my FlexiLoan credit line?
- Credit Limit Management
- Can I request an increase of my credit limit?
- Can my credit limit be reduced because of my request for a credit limit increase?
- Do I need to apply or submit any documents for a credit limit increase?
- How do I change my GXS FlexiLoan credit limit?
- How do I check my available credit limit or outstanding balance?
- How will I know if my limit can be increased?
- I received a notification about a credit limit increase. What do I need to do?
- What is Balance-To-Income (BTI) and how does it affect me?
- What will happen to GXS FlexiLoan if I am declared bankrupt?
- Will a change in my credit limit affect my credit bureau record?
- Will I be notified on bank's approval of credit limit increase?
- Splitting & Converting Loans
- Are there any fees associated with splitting my Balance Transfer Loan into an Instalment Loan?
- Can I cancel my split request from Balance Transfer Loan into Instalment Loan once it has been initiated?
- Can I change the principal amount or repayment date of the new Instalment Loan when I split my Balance Transfer Loan?
- Can I partially convert my instalment loan or convert multiple instalment loans to FlexiPay?
- How do I convert an existing Instalment Loan to FlexiPay?
- How do I know if my Balance Transfer Loan is eligible for splitting?
- How do I view my FlexiPay monthly statements?
- How is the FlexiPay minimum payment amount calculated?
- How is the new Instalment Loan amount calculated after splitting my Balance Transfer Loan into an Instalment Loan?
- How long does the splitting process of a Balance Transfer Loan take?
- Is there a minimum or maximum tenure for the split of Balance Transfer Loan into Instalment Loan?
- What are the benefits of splitting my Balance Transfer Loan into an Instalment Loan?
- What are the fees and interest rates for FlexiPay?
- What does it mean to split your Balance Transfer Loan into an Instalment Loan?
- What happens if I miss a repayment on my new Instalment Loan?
- What happens to my Balance Transfer Loan once it is split?
- What happens to my original Instalment Loan after converting it to FlexiPay?
- What is the difference between FlexiPay and FlexiLoan (Instalment Loan)?
- What makes up the principal loan amount for my converted Instalment Loan?
- Who is eligible for the FlexiPay feature?
- Will I receive any notification on the split of my Balance Transfer Loan into Instalment Loan?
- Will the FlexiPay affect my credit bureau record?
- Will the split of a Balance Transfer Loan affect my credit score?
- Tenure Extension - FlexiLoan
- Am I eligible for Tenure Extension?
- How does a Tenure Extension affect my Instalment loan?
- How do I request for Tenure Extension?
- How long can my loan tenure be extended?
- How many times can a loan be extended?
- Is there a validity period to the Tenure Extension offer?
- What is Tenure Extension
- What is the interest on the extended loan?
- When do I pay my instalment after Tenure Extension?
- Will Tenure Extension affect my credit score?
- Statements
- How can I access my account statement after closing my FlexiLoan Account?
- How can I access my past FlexiLoan e-statements?
- How do I view and download my GXS FlexiLoan monthly statements?
- If I didn't make any transactions or have an outstanding balance, will FlexiLoan e-statements still be generated?
- When are my monthly GXS FlexiLoan e-statements generated?
- Account Closure
- Are there any penalties or cancellation fees associated with closing the loan account?
- Can I reapply for GXS FlexiLoan after I've closed my account?
- Do I need to fully repay all outstanding loan balances before initiating closure?
- How do I close my GXS FlexiLoan account?
- What important details should I take note of before closing my GXS FlexiLoan account?