Non-repayment (also referred to as "being delinquent") or being late in payment can cause a negative impact on your credit history. Furthermore, your bank may penalise you with interest on the outstanding amount, as well as with late payment fines. As such, it is advisable that you make your repayments in full to avoid unnecessary charges.

However, if you are unable to do so, it is advised that you make payments above the minimum balance in order to settle your outstanding balances faster and to minimize any charges.

Loyalty points are given to credit cardholders based on each dollar you purchase using your credit card—for example, one point per dollar. Subject to the card issuers' reward programme, you may also be able to redeem your points for gift cards, cash, or travel points – so it is always best to utilise the reward programme to the fullest!

Compounding interest on credit cards refers to the interest on top of the interest that is already charged on the outstanding amount, which individuals are required to pay. The longer individuals do not repay, the higher this amount will increase! Moreover, paying your credit card bills after its due date will usually incur a late fee.

The Credit Bureau at Brunei Darussalam Central Bank collects, compiles and consolidates both banking and non-banking (such as utilities) information in Brunei Darussalam to generate a credit report and credit score. With these credit assessment tools, financial institutions will make credit assessments on individuals' loan applications. Credit cardholders with irregular repayments will be seen as high risk and will negatively impact your credit scoring, and this may lead financial institutions to be less inclined to grant you new credit facilities. Therefore, it is important for you to be responsible with your repayments to maintain a good credit report and score.

Credit cardholders are advised to examine the details of their statement carefully and to report any discrepancies to the bank within 14 days from the day of the statement. Unless the bank is notified of the discrepancies within the given period, the detail in your credit card statement shall be deemed as correct and conclusive.

Credit cardholders must take all reasonable precautions to keep your card in a safe place and exercise care and diligence to ensure the safety of your card and its PIN is not disclosed to anyone. In the event that the card is lost/stolen and/or its PIN is disclosed, you should call and notify your bank immediately. In the event when your card has been compromised, please call and notify the bank immediately to block or deactivate the card as a safety measure.