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ryanc - Yes, wala ako plano takbuhan yan and kahit wala pa ulit ako dto sa Sg nagbabayad ako kahit minimum payment. Actually, risk ng bank yan to offer it to a foreigner w/ pass holder status since we do have only 2 yrs guaranteed stay and sure job. Hindi lng naman yan ung reason, since noon pa maraming gumagawa ng kalokohan dito lalo na sa FnB industry not to mention those cases na since its already considered as crime here in Sg. Anyways, iba po kasi ung case ko compare to them and hindi po ako papasira sa ganyan na amount, if gusto ko gumawa ng ganyan noon pa since on my current job I can easily make 100-300K Sgd, pero hindi pumasok sa isip ko yan na gawin kasi alam ko masama and ung image ng Filipino masisira and thats the reason why I was able to secure a good job again here. Thanks.