Lending
- Document Waiver Feature (DWF)
- Why was I not required to submit income documents when applying for FlexiCredit?
- How is it possible to get a loan without income documents?
- Is the Document Waiver Feature (DWF) a permanent feature or a temporary campaign?
- Are there special interest rates or fees for a Document Waiver Feature (DWF)-approved FlexiCredit?
- How does a Document Waiver Feature (DWF) application differ from a standard FlexiCredit application?
- My friend did not upload his income document but received a FlexiCredit limit offer, but I didn't. Why?
- I opted to upload my income supporting documents, is there any timeline to upload the income supporting documents?
- What are the credit bureau agencies GXBank refers to?
- Why is the credit limit offered by the Bank so low? What happens if I accept it? Can I say no?
- I accepted the Document Waiver Feature (DWF) limit. Can I still apply for a higher limit later?
- I was approved for an Document Waiver Feature (DWF) limit but was then rejected after submitting my documents. Why?
- Where can I find the full terms and conditions?
- Who can I contact if I have further questions about the DWF program?
- Application & Eligibility
- Who is eligible for FlexiCredit?
- What documents are required to apply for FlexiCredit?
- How do I apply for FlexiCredit?
- Why do I need to open a savings account with GXBank before I can apply for FlexiCredit?
- Can I apply for FlexiCredit if I am self-employed?
- What are the ways to verify income? What are the differences?
- Is the income verification process secure?
- Can I upload my payslips to verify income?
- How long does the FlexiCredit approval process take ?
- How will I be notified if my application is approved?
- How long do I have to decide if I want to activate my FlexiCredit?
- If my application was rejected, am I able to reapply?
- Is there any downtime for applications?
- Why do I face an error after uploading my EPF Statement using my Samsung device?
- Credit Limit
- What is a credit limit and how does it work?
- How is my credit limit determined?
- Do I have to use my entire credit limit?
- Can I apply to increase/decrease my FlexiCredit limit?
- Can I use my credit limit for any purpose?
- Will my credit limit be replenished after I make repayments?
- Are there any fees or charges if I accept the new limit?
- Do I have to accept the new limit?
- How do I accept the new limit?
- Is the new credit limit permanent?
- I believe I qualify for an even higher limit or a better rate. Can I request a review or submit documents?
- I didn’t request a limit increase. Why did I receive a credit limit increase offer?
- I got a notification about interest rate changes. Is that related to this limit increase?
- I want a credit limit increase, but a lower amount than what was offered. Can I choose a lower limit?
- Will my interest rate change if I accept (or don’t accept) the limit increase?
- Drawdowns
- How do I perform a drawdown?
- How many drawdowns can I take from my credit limit? Is there a limit to how often I can perform drawdowns?
- What is the minimum and maximum drawdown tenure?
- What is the minimum and maximum drawdown amount?
- I no longer need the drawdown, can I cancel it?
- Are there any fees for drawing down funds?
- Why can't I drawdown my funds?
- Repayment
- How do I repay my drawdowns?
- Is there a penalty for late payments?
- Can I early settle my drawdowns or make advance repayments?
- Will I be reminded about overdue payments, and how frequently will I receive reminders?
- Can I choose my repayment date?
- Can I change my repayment date?
- What if I need to defer my payments?
- Why does my repayment schedule display one extra payment than the number of months in my selected tenure?
- Why can't I select the 1st, 2nd, or 3rd as my monthly repayment date?
- Account Management
- How do I check my drawdown and repayment history?
- Where can I find my FlexiCredit statements?
- How can I manage my FlexiCredit account?
- Can I close my FlexiCredit account or cancel my credit limit?
- Can I freeze my FlexiCredit Account temporarily?
- Can my account turn dormant? If so, how can I reactivate it?