My son struggled to pay his credit card bill for a long time. Eventually, I paid his bill and took away his card.

Recently, I found out that he got a second credit card from the same bank and had racked up a substantial bill which is beyond his monthly salary.

Unfortunately, he did not take responsibility for it.

As a concerned father, I wrote to the bank to ask why my son was issued a second credit card, given his bad credit rating due to his inability to pay his past bills.

However, the bank said it could not divulge the reasons to me, for confidentiality reasons.

According to Monetary Authority of Singapore regulations, one must earn a minimum of $30,000 a year to be eligible for a credit card.

My son only just qualified, based on his gross salary of $2,500. After Central Provident Fund deductions, however, his take-home pay is only $2,000. Yet, he owns two credit cards.

The Government should do something about income eligibility for credit cards before we become a nation where young adults live on credit, resulting in unnecessary social and family problems.

Vincent Ong Kok Lam