The 12x Rule: Why Your Credit Cards Get Suspended in Singapore (2026 Guide)

explanation of the MAS unsecured borrowing limit and credit card suspension in Singapore

Key Takeaways If your debt across all credit cards and unsecured credit facilities with financial institutions exceeds 12 times your monthly income for three consecutive months, you cannot obtain additional credit facilities and your existing credit lines are suspended The threshold is calculated on your total unsecured balance with financial institutions — not on any […]