Not one big spree: Why more people in their 30s, 40s are seeking help for credit card debt in S’pore并非一次性大举消费：为什么新加坡越来越多的30岁、40岁人群寻求信用卡债务方面的帮助
Singapore credit card debt rises as people in their 30s and 40s seek help for lifestyle spending and income shocks Read more at straitstimes.com.
In Singapore, credit card balances are one of the most expensive forms of consumer debt.
PHOTO: LIANHE ZAOBAO
Published Oct 15, 2026, 11:00 AM
Updated Oct 15, 2026, 03:26 PM
People in their 30s and 40s made up the biggest groups seeking help for unsecured debt, driven mainly by lifestyle spending and income shocks.
Credit Counselling Singapore said cases rose to a three-year high of 814 in Q2 2026, while MAS data showed rollover balances climbed to $9.64 billion.
Risks are still seen as manageable because delinquency and charge-off rates are low, but stress pockets remain.
SINGAPORE – People in their 30s and 40s made up the two largest age groups seeking help for credit card and other unsecured debts between 2021 and 2025, according to data from Credit Counselling Singapore (CCS) for The Straits Times.
Their debt issues stem mainly from discretionary spending on lifestyle, as well as income shocks, such as a sudden drop in household income due to retrenchment or pay cuts, said the non-profit social service agency.
Financial counselling
在新加坡，信用卡欠款是最昂贵的消费债务形式之一。
图片来源：联合早报
发布于2026年10月15日上午11:00
更新于2026年10月15日下午3:26
30多岁和40多岁的人群是寻求无担保债务帮助的最大群体，这主要是由于生活方式支出和收入冲击所致。
新加坡信贷咨询机构表示，2026 年第二季度的案例数量达到三年来的最高点 814 例，而新加坡金融管理局的数据显示，展期余额攀升至 96.4 亿美元。
尽管违约率和核销率较低，风险仍然被认为是可控的，但仍然存在一些压力点。
新加坡——据《海峡时报》援引新加坡信贷咨询协会 (CCS) 的数据显示，在 2021 年至 2025 年期间，寻求信用卡和其他无担保债务帮助的人群中，30 多岁和 40 多岁的人群是最大的两个年龄群体。
该非营利性社会服务机构表示，他们的债务问题主要源于生活方式上的可自由支配支出，以及收入冲击，例如因裁员或减薪导致家庭收入突然下降。
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