What's your credit score? Did you know that the secret to getting approved for a mortgage / personal loan / new credit card really lies in how good your credit score is? I didn't know about this when I first started working and was happily applying for new credit cards. But after learning about the Credit Bureau of Singapore (CBS) and what they do, I realised that many life opportunities are enabled only when you have a good credit score, because this gives the banks the reassurance that you will not default on your loan if they lend the money to you. If you have a bad habit of paying off your credit cards late, you not only incur a hefty $60 late-charge fee, but you're also ruining your credit score, which may cost you the next time you're trying to get a loan. Unfortunately, many individuals are ......