CompareHero.my partners with CTOS to take first step towards offering personalised financial products
- By CompareHero.my
- March 3, 2022
CTOS, the leading credit reporting agency in Malaysia, has today announced a partnership with CompareHero.my, a local personal finance platform. Through the partnership, all Malaysians will be able to access a free credit score assessment, to help them better understand their creditworthiness. This serves as the building blocks of future innovation within the financial space, enabling CompareHero.my to provide personalised financial product recommendations to its customers via their online platform.
Underpinning this partnership is the shared goal of advocating for and empowering the improvement of financial literacy in Malaysia. An important part of financial literacy is arming consumers with the knowledge of their credit standing through their MyCTOS Score Report. Consumers that are aware of their scores are more likely to pay their bills on time and are able to increase their credit scores moving forward.
The CTOS Score is a three-digit number that indicates a consumer’s credit risk. The score ranges from 300 to 850 and the higher the score, the lower the credit risk. Having a high credit score shows that customers are responsible and diligent about paying bills, which makes it more likely for banks and lenders to approve credit applications and offer better terms. Scores can also be delivered instantaneously, helping lenders speed up loan approvals.
“Our new partnership with CompareHero.my allows CTOS to continue our goal in providing innovative solutions to consumers so they can manage their credit health better. This will improve their access to credit, while realizing our aim to empower Malaysians to make better financial decisions based on their own needs and affordability,” said Eric Hamburger, Deputy Group CEO of CTOS Digital Berhad.
CompareHero.my users will be able to obtain the complimentary CTOS Scores by verifying their identity remotely through the market-leading CTOS eKYC solution, which will also be integrated into the CompareHero.my platform.
“The Covid-19 pandemic has led to a huge uplift within the digital economy, while at the same time, putting a spotlight on the financial health of many Malaysians. In partnership with CTOS, beginning with the credit score assessment, we aim to reemphasise the importance of building healthier financial lives and continue adding value to the overall ecosystem. To celebrate this, we are pleased to share that CompareHero.my will also be offering 5,000 complimentary CTOS scores per month, on a first come first serve basis,” announced Eu Jin Voon, General Manager of CompareHero.my.
Do you know your credit score standing? If you do not, it would be prudent to seize the opportunity to receive a complimentary CTOS credit score via CompareHero.my.
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How To Protect Your Cryptocurrency From Theft
- By CompareHero.my
- March 2, 2022
From October 2020, nearly 7,000 people have reported losses of more than $80 million to scams. In comparison to the previous year, the cases reported were twelve times higher, while the total losses were nearly 1,000% higher.
It’s become so common to hear stories of people being duped into visiting websites that appear to provide possibilities to invest in or mine cryptocurrencies, but are actually scams.
Unfortunately, it isn’t easy to track an attacker, as they often disappear into the abyss of the anonymous network. With that said, it doesn’t mean you need to say goodbye to a good night’s sleep if you plan to own any cryptocurrencies. Rather, your best protection comes from understanding the nature of cryptocurrencies. Here are a few ways to help you with that.
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A hybrid approach in managing digital wallets
Online wallets, also known as hot wallets, are the most common method for crypto investors to store their currencies. However, keeping all cryptocurrencies online is dangerous, as pro hackers have the power to attack your account if they want to.
Adopt an offline wallet (or a “cold wallet”).
This, of course, will depend on how you’re utilising your cryptocurrencies — whether you’re an active trader or a long-term investor. Keep what you don’t usually need in a cold wallet. A cold wallet is a hardware (looks like a thumb drive) that can be unplugged from the Internet.
Better safe than sorry!
Passwords
Besides storing cryptocurrencies in different wallets, passwords deserve an equal amount of spotlight. For example, using the same password across all your wallets and accounts puts you at a higher risk for hackers to access your accounts.
To avoid data breaches, create solid passwords, different passwords for other accounts with two-factor authentication, and never forget to change the passwords regularly.
On top of the importance of increasing your password’s strength, don’t forget them. Note it down physically or look for a trustworthy password manager to help reduce the risk of losing the entire crypto wallet.
Stefan Thomas, one of the few early investors of Bitcoin, has admitted that he has lost his fortune by forgetting the password of his hard drive (IronKey). A mistake that cost him £100 billion (estimated amount).
Cautious with internet connection
Hackers have been known to set up bogus Wi-Fi hotspots or utilize public Wi-Fi to entice unwary web browsers.
A hacker’s goal is to deceive users to log on to their server, which allows them to take the victim’s account names and passwords and send them to phishing or malware sites. On top of that, everything on the victim’s devices, including files, will be exposed.
For example, a proof-of-concept project called CoffeeMiner has shown the threats of connecting to public Wi-Fi. The hacker created a dangerous virus that seeks to invisibly utilise all devices connected to that Wi-Fi for its own benefit.
They can also get access to your social media, documents, or even financial accounts without you even realizing that something has gone wrong. What’s more, is that you can lose all of it in seconds.
Put simply, don’t connect to an unknown connection. If the internet is a must for you while travelling, bring your own Wi-Fi with you – a mobile hotspot or separate device. However, if you can’t attempt any options above, install a software firewall, or turn on a VPN when you connect.
Be aware of internet traffic
Log-in pages that look almost similar to the real thing? It could be a phishing scam.
Many who have a cryptocurrency wallet have been using a mobile app to keep track of their funds. But, malicious hackers are driven to target investors with mobile phishing attacks to steal your login credentials.
One of the best ways to prevent cyberattacks, viruses, or scams is by installing high-quality security software. For instance, a Web Application Firewall analyzes websites and apps to monitor and safeguard the system from cyberattacks.
Avoid sharing the secret key
A secret key is used to verify that the person sending or receiving the digital currencies is the wallet’s owner. Therefore, consider adopting a paper wallet. The process simply involves printing the secret key and corresponding address on a paper sheet. It is one of the safest techniques to keep your secret key away from any possible digital threats.
Before entering your secret key, double-check that you can trust the downloaded software or website that asked for it. Never give up your Secret Key to anybody online, regardless of how trustworthy they appear to be. Likewise, be wary of anyone who claims to require your Secret Key immediately for any supposed urgent reason, financial or otherwise.
Avoid trusting any unreliable cryptocurrency exchange, wallets, brokerages, or mobile apps
Before deciding which platform to use, investors should carefully review the security aspects of each platform to understand how their data is managed. When it comes to keeping your crypto safe, even entities that can be trusted need to have multi-factor authentication, SSL/TLS encryption, and air-gapped devices kept offline.
For two main reasons, cryptocurrency security experts advise against keeping any digital currency assets on an exchange. First, if the exchange is hacked, you could lose all your assets. Second, if the exchange maintains your cryptocurrencies on an IOU basis, it means that if the exchange goes bankrupt, you may not be able to retrieve your funds.
It is an extremely crucial step when it comes to selecting any third parties between you and your cryptocurrencies. The top priority is definitely safety — security standards, the safety of funds, security team, user-protection security program, transparency, and user data protection.
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Malaysia Personal Income Tax E-filling Guide (2021 LHDN)
- By CompareHero.my
- March 1, 2022
In case you missed it, tax season is upon us again! It’s that time of the year when Malaysian citizens and residents will begin declaring all their earnings in the previous year.
Now if you’re legally employed in Malaysia, or you are an employer here, you would have to pay taxes. However, in this article, we’ll be solely focusing on Malaysia Personal / Individual Income Tax (YA2021), that is, tax paid by employees in Malaysia.
If this is the first time you’re filing your taxes or you just need a clear guide on how to do the e-filling LHDN 2021, this article is just for you! Read on to find out all you need to know about declaring tax returns in Malaysia.
Let’s start with this basic question:
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Who should file tax returns?
According to Lembaga Hasil Dalam Negeri (LHDN)–also known as the Inland Revenue Board–those earning at least RM34,000 a year after EPF deductions need to pay taxes. Those who fail to do so can face legal action, so make sure you do your part and declare your income.
However, even if you earn less than RM34,000 annually, you should still file your taxes. You won’t have to pay anything, but it’s still good to get into the habit of declaring your income. At this juncture, it’s worth mentioning that there’s a difference between filing your tax returns and paying taxes, as not everyone who files their returns will need to pay tax–only those who earn RM34,000 and more a year.
And speaking of that, any income that you earn outside of Malaysia is not taxable. But you will need to declare ALL types of income (part time and freelance included) that you earn in Malaysia.
Now, let’s jump right on to the next important question you might ask:
How are my taxes calculated?
Firstly, the total of all your incomes in the whole tax year will be added. Then, if you qualify for any of the tax exemptions and reliefs, those amounts will be deducted from your income amount. Tax exemptions and reliefs are ‘discounts’ you can get for certain expenses made in the year. We’ll look at what exemptions you can for the 2021 tax year shortly but for now, this is what you need to know:
Total income – tax exemptions and reliefs = chargeable/taxable income
Your tax rate is calculated based on your taxable income. So the more taxable income you earn, the higher the tax you’ll be paying. Per LHDN’s website, these are the tax rates for the 2021 tax year.
Coming back to the tax exemptions and reliefs, these are all the ones that were announced by the government during the 2022 Budget speech:
Individuals and families
- RM9,000 for individuals
- Up to RM4,000 for those who contribute to the Employees’ Provident Fund (EPF), including freelance and part time workers
- Up to RM3,000 for kindergarten and daycare fees
- Sales tax fully waived for new passenger vehicles
- 100% exemption on import and excise duties, sales tax and road tax for electric vehicles
- 50% off for car seat purchases for B40 families
Lifestyle and entertainment
- Up to RM1,000 for domestic travel expenses
- Full exemption on entertainment duties for theme parks, cinemas, sporting events etc.
- Up to RM2,500 for book purchases or newspaper and magazine subscriptions, both physical and online
- Up to RM2,500 for gym subscriptions or purchase of sports equipment
Technology
- Up to RM2,500 for purchases of mobile phones, laptops, tablets and similar devices
- Up to RM2,500 for internet subscriptions
Health and well-being
- Up to RM1,000 for a full medical check-up
- Up to RM,000 for vaccinations
- Up to RM8,000 for parents’ medical expenses and care
Please note that you can claim the above for expenses made on or before 31st December 2021 only.
How do I file my tax returns?
Register under e-Daftar
If this is your very first time, you’ll first need to register with LHDN. If you plan to do this manually, you can visit your LHDN branch and they will guide you accordingly. However, if you want to file your taxes online, follow the steps below.
Step 1: Visit this e-Drafter link and fill in all the required fields. But before that, click on the link that says ‘Please Check Your Income Tax No. First’ at the top of the page to ensure that you have not already not registered previously.
Step 2: Once you’ve filled in all the necessary details, double-check the information and click ‘Hantar/Submit’.
Note: If you have not attached the required documents such a copy of your MyKad at this point, you can still submit your application, but you’ll need to send in the documents within 14 days of the application. After 14 days, your application will expire and you’ll need to make a new one.
Step 3: You’ll then see a page with your tax reference number and LHDN branch. Note these down for reference. A message stating that your application has been received will be displayed. Within 3 working days, you’ll get an e-mail from LHDN stating that you have been registered, and you will receive your tax number.
Now that you’re registered with LHDN, the next thing you need is a PIN.
How to obtain PIN from LHDN?
You can get your PIN at an LHDN branch or online. If you’d like to retrieve it online, head over to the LHDN Maklum Balas Pelanggan (Customer Feedback) website.
Step 1: Click on ‘Permohonan’ or ‘Application’ (depending on your chosen language).
Step 2: Click on ‘e-Filing PIN Number Application’ on the left, and then click on ‘Form CP55D’.
Step 3: Download a copy of the form and fill in your details
Step 4: Go back to the previous page and click on ‘Next’.
Step 5: Fill in the required details and attach your Form CP55D. Click ‘Submit’ when you’re done. You will then receive your PIN from LHDN within a week.
How to login your ezHasil?
You’re just a few steps away from doing your taxes now! ezHasil is where you’ll be doing your e-Filing, and you can click here to begin.
Note: Have your EA form ready. Your EA form will be provided by your employer and it will contain the details of how much income you’ll need to declare as an employee. Each company will issue a separate EA form, so if you have worked for more than one company in one year, you will have to have an individual EA form for each. We will show you how to fill up your tax form if you have more than one EA form later in the guide.
Step 1: For first time ezHasil users, you’ll need to click on ‘First Time Login’.
Step 2: Enter your PIN from LHDN and ID number.
You’ll then need to fill up a simple form with your particulars and a new password which you’ll use for future logins. Double-check your information and click ‘Submit’. Voila, you’re all set! Head back to the ezHasil login page to start filing your tax returns.
Note: As you’re logging in, ensure that the security phrase you see is correct.
How to declare your taxes by using ezHasil?
Step 1: Once you’ve logged in, click on ‘e-Form’ under ‘e-Filing’.
Step 2: Under e-BE, select the Year of Assessment:
Step 3: Confirm your particulars on the next page and click ‘Next’.
Step 4: Confirm your other particulars such as your contact details and fill in whichever is applicable to you. If you didn’t sell any property in 2021 or have no special incentives to claim, you can leave those sections blank.
Step 5: This is where you declare all the income you’ve earned in the previous year. Now, if you’ve worked for more than one employer, enter the number of companies you’ve worked for in the ‘Number of employer’ column. Enter the total income you’ve received from your company/companies after EPF deductions in the ‘Statutory income from employment’ column.
Step 6: On this page, you can claim the reliefs and exemptions that we mentioned earlier. You may refer to that section to see what you can claim this year. But what’s great is that this section of your e-Form will already show you the maximum amount you can claim for each item. Be sure to input the exact amount you spent and only claim for what’s applicable to you.
Step 7: You’ll be shown a summary of how much income you’ve declared, all the reliefs and exemptions you’re claiming, and how much tax you’ll be paying. Click ‘Next’ after confirming the details.
Step 8: This is the final step. Once you’re sure all the information you’ve entered is correct, click ‘Sign and Submit’. Congratulations, you’ve just successfully filed your tax returns! You’ll be able to download a copy of your e-Form for your safekeeping.
Can I amend my tax form if I made an error?
Realised you declared a wrong amount only after you submitted your form? Good news: you’re allowed to fix it. However, how you can make these changes depends on whether you filled in your form online or manually, or whether you amend them before or after the submission deadline.
Online:
Login to ezHasil and click on ‘e-Application for Amended BE’ and follow the instructions shown accordingly.
Manually:
For amendments made before the submission date, you only need to submit a letter explaining what the changes are together with relevant proof such as receipts, bills and so on.
For amendments that are made after the deadline, you must make them within 6 months of that deadline by filling up an Amended Return Form. This can be done online or through the LHDN branch that keeps your tax file.
According to LHDN’s website, you can use the Amended Return Form to make changes on your tax form for the following items:
- Income under declared / not declared
- Expenses / other claims over claimed
- Capital allowances / incentives / reliefs over claimed
For other types of amendments, an Amended Return Form is not needed, and you can just submit a letter with proof of your changes, similar to amendments made before the submission date.
Bonus: Important tips to remember before filing your tax returns
Take note of the LHDN e-filling 2021 deadline
If you’re a very busy person, or if this is your first time doing this, you might just forget to fill up that LHDN form on time.Please note that the deadlines for tax filing are 30th April 2022 and 15th May 2022 for manual filing and e-Filing, respectively.
Keep all your receipts
When claiming exemptions and reliefs, ensure that you have the required proof to make that claim. For example, if you had spent RM2,000 on a new laptop and would like to claim this, keep the receipt for that purchase as proof. Under Section 82A of the Income Tax Act 1987, you are required to keep such proof/documents for up to 7 years from the end of the year of assessment.
Be honest and accurate when filling up the form
And speaking of proof and documents, be sure to input the correct amount of income you earned and exemptions you’re claiming. Under Section 114 of the Act mentioned above, anyone who falsifies an entry on a tax form can be “liable to a fine of not less than one thousand ringgit and not more than twenty thousand ringgit or to imprisonment for a term not exceeding three years or to both”. They will also need to pay 3x the tax amount which was undercharged as a penalty.
Of course, you will only be penalised under this Section if you deliberately declared a wrong amount. If you made a genuine mistake, you can amend the tax form as we mentioned earlier. That being said, do your best to be as accurate as possible and double-check everything before submitting your form.
We hope this article cleared most of the doubts that you had regarding filing your taxes. If you’re about to start the process soon, good luck! The deadline is still weeks away, but we strongly urge you not to wait until the last minute.
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12 Kesalahan Trafik yang Mungkin Tidak Anda Ketahui
- By CompareHero.my
- February 28, 2022
Memandu kenderaan di Malaysia memerlukan anda untuk memberi perhatian dan berhati-hati oleh kerana kesesakan trafik serta keadaan jalan raya yang teruk. Ramai yang tidak mengetahui bahawa kesilapan yang kecil di jalan raya boleh mencetuskan masalah yang besar.
Jadi, disini kami ingin mengingatkan beberapa kesalahan trafik kecil yang mungkin anda tidak ketahui, dan jika anda dikesan oleh pihak berkuasa, anda boleh dikenakan saman.
Baru-baru ini, JPJ telah mengumumkan ia ingin tingkatkan saman untuk kesalahan trafik seperti melanggan lampu merah, menggunakan telefon bimbit sambil memandu dan tidak memakai tali pinggang keledar.
Sebelum kita meneliti kesalahan trafik, ketahui kadar saman yang dikenakan bergantung kepada tempoh bayaran yang anda buat. Semakin cepat anda bayar saman, semakin rendah kadar yang dikenakan.
Kadar saman bergantung kepada tempoh sejak saman dikeluarkan.
Contents
- 1. Meletak kenderaan di stesen bas atau di perhentian bas
- 2. Memandu dengan perlahan di lorong kanan
- 3. Gagal menggunakan lorong yang betul untuk membelok (kiri atau kanan)
- 4. Menjual barangan ke pemandu di jalan
- 5. Memasang tirai pada tingkap kereta
- 6. Membiarkan kenderaan tanpa mematikan enjin atau tidak menarik brek tangan
- 7. Apabila kenderaan anda tidak memiliki hon
- 8. Kenderaan anda tidak memiliki pengelap cermin
- 9. Hon kenderaan memiliki lebih dari satu bunyi
- 10. Gagal untuk menjaga kenderaan dalam keadaan yang baik
- 11. Menukar lampu hadapan kenderaan selain warna putih
- 12. Tidak memaparkan pelekat ‘P’ di cermin kereta jika anda pemegang lessen percubaan
1. Meletak kenderaan di stesen bas atau di perhentian bas
Hari pertama – ke-15: RM100
Hari ke-16 – ke-30: RM200
Hari ke-31 – hari ke-60: RM250
Jika anda meletakkan kenderaan di stesen bas atau hentian bas, anda akan menghalang laluan bas yang perlu menurunkan dan mengambil penumpang, dan saman yang dikenakan adalah tinggi. Ramai rakyat Malaysia gemar untuk menurunkan dan mengambil penumpang di lokasi ini, jika anda juga sering melakukannya, hentikan segera.
2. Memandu dengan perlahan di lorong kanan
Hari pertama – ke-15: RM150
Hari ke-16 – ke-30: RM200
Hari ke-31– hari ke-60: RM300
Jika anda berpandangan bahawa memandu dengan perlahan tidak merupakan kesalahan trafik, fikir semula. Memandu perlahan di lorong kanan, dan menyusahkan pemandu lain untuk memotona anda boleh dikenakan saman sehingga RM300 oleh pihak berkuasa. Ingat, lorong kanan adalah untuk pemandu yang lebih laju untuk memotong pemandu lain tetapi dalam halaju yang dibenarkan.
3. Gagal menggunakan lorong yang betul untuk membelok (kiri atau kanan)
Hari pertama – ke-15: RM150
Hari ke-16 – ke-30: RM200
Hari ke-31– hari ke-60: RM300
Sama ada anda ingin belok ke kiri atau kanan, pastikan anda berada di lorong yang betul sekurang-kurangnya untuk 10 – 15 saat. Jika tidak, anda boleh didenda, apatah lagi jika tindakan anda menyebabkan berlakunya kemalangan. Malah, saman tambahan juga boleh dikenakan atas kesalahan memandu dalam keadaaan berbahaya.
4. Menjual barangan ke pemandu di jalan
Hari pertama – ke-15: RM150
Hari ke-16 – ke-30: RM200
Hari ke-31– hari ke-60: RM300
Walaupun keadaan ini biasa dilihat, terutamanya di kawasan luar bandar ataupun kampong, namun ketahui bahawa ia salah disisi undang-undang untuk bejual-beli di jalan raya jika anda sedang memandu. Beri perhatian sepenuhnya keatas pemanduan anda!
5. Memasang tirai pada tingkap kereta
Hari pertama – ke-15: RM150
Hari ke-16 – ke-30: RM200
Hari ke-31– hari ke-60: RM250
Ia mungkin nampak seperti sesuatu yang remeh jika anda memasang tirai langsir di tingkap kereta, sama ada untuk perhiasan ataupun menghalang silau. Sebenarnya, ia salah di sisi undang-undang, dan anda boleh disaman sehingga RM300 untuk kesalahan ini.
6. Membiarkan kenderaan tanpa mematikan enjin atau tidak menarik brek tangan
Hari pertama – ke-15: RM150
Hari ke-16 – ke-30: RM150
Hari ke-31– hari ke-60: RM250
Kita semua mengetahui sebab untuk tidak membiarkan kenderaan tanpa mematikan enjin atau tidak menarik brek tangan. Kini, anda boleh tambah denda sehingga RM250 sebagai salah satu sebab mengapa keduanya penting.
Cuba bayangkan jika kereta anda meletup kerana masalah enjin atau menyebabkan kereta meletup, ataupun anda menyebabkan kecederaan kepada orang lain kerana anda tidak menarik brek tangan.
7. Apabila kenderaan anda tidak memiliki hon
Hari pertama – ke-15: RM70
Hari ke-16 – ke-30: RM120
Hari ke-31 – hari ke-60: RM200
Ya, tidak memiliki hon kereta yang berfungsi juga merupakan kesalahan trafik. Jadi, pastikan anda baiki hon kenderaan anda sekiranya ia tidak berfungsi dengan baik.
8. Kenderaan anda tidak memiliki pengelap cermin
Hari pertama – ke-15: RM150
Hari ke-16 – ke-30: RM200
Hari ke-31– hari ke-60: RM250
Satu lagi sebab untuk sentiasa menyelenggara kenderaan anda ialah untuk memastikan setiap bahagian berfungsi sepenuhnya. Pengelap cermin amat penting, terutamanya ketika hari hujan untuk menjelaskan pandangan.
9. Hon kenderaan memiliki lebih dari satu bunyi
Hari pertama – ke-15: RM50
Hari ke-16 – ke-30: RM150
Hari ke-31– hari ke-60: RM250
Mungkin anda akan berasa hairan mengapa hon kenderaan yang memiliki lebih dari satu bunyi menjadi satu kesalahan. Sebenarnya, bunyi hon tersebut boleh mencetuskan kekeliruan pengguna jalan raya, dan juga pencemaran bunyi. Selain itu, anda juga akan dikenakan saman yang boleh mencecah RM250.
10. Gagal untuk menjaga kenderaan dalam keadaan yang baik
Hari pertama – ke-15: RM100
Hari ke-16 – ke-30: RM150
Hari ke-31– hari ke-60: RM250
Seperti yang telah dinyatakan, jika anda gagal untuk memastikan bahagian kenderaan anda berfungsi dengan baik, dan anda ditahan oleh pihak penguasa, anda boleh dikenakan saman sehingga RM250. Bahagian ini termasuk pintu kenderaan, cermin depan, tayar, dan semua bahagian lain kenderaan.
11. Menukar lampu hadapan kenderaan selain warna putih
Hari pertama – ke-15: RM150
Hari ke-16 – ke-30: RM200
Hari ke-31– hari ke-60: RM300
Menukar lampu hadapan kenderaan kepada warna lain selain daripada warna putih boleh mengganggu pandangan pemandu lain pada waktu malam, dan boleh menyebabkan kemalangan. Jadi, untuk mengelakkan disaman, pastikan anda menggunakan lampu hadapan dengan spesifikasi yang dibenarkan.
12. Tidak memaparkan pelekat ‘P’ di cermin kereta jika anda pemegang lessen percubaan
Hari pertama – ke-15: RM70
Hari ke-16 – ke-30: RM120
Hari ke-31– hari ke-60: RM200
Untuk pemandu baharu, kami faham anda tidak sabar untuk memandu di jalan raya setelah mendapatkan lesen. Tetapi, pastikan anda menampal pelekat ‘P’ di cermin kereta supaya pemandu lain mengetahui anda pemanda baharu. Kegagalan berbuat sedemikian boleh menyebabkan anda disaman sehingga RM200 oleh polis trafik atau JPJ.
Jika anda telah disaman untuk kesalahan trafik yang telah dinyatakan diatas, pastikan anda tidak mengulangi kesalahan yang sama. Kepada semua pemandu, jangan pandang remeh kepada kesalahan trafik yang telah kami nyatakan kerana ia boleh menyebabkan anda disaman.
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Kelebihan Menggunakan Kad Kredit Berbanding Tunai
- By CompareHero.my
- February 25, 2022
Tahukah anda, dalam beberapa situasi, membuat pembayaran menggunakan kad kredit lebih baik berbanding menggunakan tunai? Untuk tujuan keselamatan, keselesaan, dan juga pelbagai faedah lain, ketahui mengapa lebih ramai gemar menggunakan kad kredit berbanding tunai.
Baca juga: 6 Tips Mudah Lulus & Syarat Kelayakan Permohonan Kad Kredit
Contents
Bagaimana kad kredit berfungsi?
Sebelum kita masuk ke tajuk kelebihan menggunakan kad kredit sebagai langkah pembayaran yang lebih selamat berbanding tunai, fahami bagaimana kad kredit berfungsi.
Kad kredit mula diperkenalkan untuk kegunaaan umum sekitar 1950-an, apabila BankAmericard dikeluarkan oleh Bank of America. Sejak itu, kad kredit telah menjadi alternatif yang popular sebagai langkah pembayaran. Namun, sejak kebelakangan ini, kad kredit telah menerima sentimen negatif disebabkan oleh pelbagai skim penipuan.
Kad kredit merupakan perkhidmatan dari institut kewangan yang memudahkan pengguna meminjam wang. Tetapi, wang yang dipinjam itu perlu dibayar dalam tempoh tertentu yang telah dipersetujui. Jika tidak, anda akan dikenakan kadar faedah yang tinggi. Di Malaysia, tempoh bayaran balik tersebut ialah 20 hari, dan ini merupakan konsep yang masih tidak difahami ramai.
Menurut laporan Finance Matters: Understanding Gen Y yang dikeluarkan oleh Asian Institute of Finance, seramai 47% Gen Y terikat dengan hutang kad kredit yang tinggi, 70% dari Gen Y yang memiliki kad kredit hanya membayar bayaran minima bulanan, dan 45% tidak membuat bayaran tepat pada masanya.
Dari laporan tersebut, terdapat trend berbahaya dalam penggunaan kad kredit yang salah. Jadi, sebelum anda memohon kad kredit, pastikan anda boleh membuat bayaran bulanan lebih dari jumlah minima.
Baca juga: Bahaya Lambat Lakukan Bayaran Kad Kredit
Mengapa kad kredit lebih bagus berbanding tunai?
1. Lebih selamat untuk dibawa kemana-mana
Jika wang tunai anda hilang atau dicuri, peluang untuk anda mendapatkannya kembali amat tipis. Tetapi, jika kad kredit anda hilang atau dicuri, anda masih boleh untuk mengawal keadaan. Langkah pertama, anda perlu membuat laporan polis dengan segera jika kad kredit anda hilang atau dicuri, dan hubungi pihak bank untuk menghalang kad tersebut dari digunakan. Jadi, jika pencuri ingin menggunakan kad anda, anda akan dilindungi.
Klausa 13.2 dari panduan penggunaan kad kredit Bank Negara menyatakan bahawa pengguna kad kredit tidak perlu membayar lebih dari RM250 untuk transaksi kad kredit akibat dari kecurian atau hilang, dengan syarat anda membuat laporan segera kerana klausa tersebut turut menyatakan “jika pemegang kad tidak bertindak sewenag-wenangnya atau tidak gagal untuk melaporkan kehilangan kad kredit kepada pengeluar kad kredit dengan segera.” Anda juga boleh membuat aduan untuk mengelakkan dari perlu membayar sebarang transaksi yang berlaku ketika kad kredit anda hilang.
2. Pilihan yang lebih baik ketika melancong
Melancong keluar negara, terutamanya negara yang menggunakan bahasa asing boleh menjadi pengalaman yang menyukarkan. Dengan masalah untuk berkomunikasi, anda mungkin boleh ditipu jika membuat bayaran dengan tunai jika anda tidak mahir dan biasa dengan wang yang digunakan di sana. Lebih baik untuk anda membawa hanya sedikit wang tunai ketika melancong, dan gunakan kad kredit untuk pembayaran untuk melindungi perbelanjaan anda.
Ia lebih mudah, dan sesetengah kad kredit turut menawarkan mata ganjaran tinggi untuk perbelanjaan yag dilakukan diluar negara. Menggunakan kad kredit turut memudahkan anda supaya tidak perlu membawa mata wang lebih dari negara lain.
3. Lebih mudah
Bayaran dengan kad kredit bermakna anda tidak perlu membawa wang yang banyak, terutamanya ketika hendak membuat pembayaran dengan jumlah yang besar. Bukan itu sahaja, jika anda menggunakan kad kredit, bayaran yang tinggi boleh dibayar dengan pelan pembayaran ansuran, tanpa sebarang faedah untuk memudahkan perbelanjaan anda.
Bayaran dengan kad kredit juga memudahkan anda mempunyai rekod dan memeriksa kembali perbelanjaan anda, kerana ianya akan direkod dalam penyata bulanan kad kredit.
4. Faedah-faedah lain
Sebagai permulaan, banyak kad kredit menawarkan rebat tunai atau mata ganjaran bagi setiap RM1 yang anda belanjakan. Jadi, anda boleh menjimatkan wang dari rebat yang anda peroleh atau mengggunakan mata ganjaran untuk dapatkan barangan atau baucer. Sesetengah kad kredit juga menawarkan diskaun di hotel dan restoran.
Jika anda memiliki kad kredit premium, anda juga akan dapat ganjaran meliputi perlindungan insurans pelancongan, akses ke ruang plaza premium dan Air Miles yang membolehkan anda mendapat tiket penerbangan percuma!
Baca juga: Cara Guna Kad Kredit Yang Golongan Millenial Patut Tahu
Tips untuk memaksimakan keselamatan kad kredit anda
1. Peka dengan perkembangan terkini kad kredit anda
Sindiket penipuan merupakan sebab utama ramai takut untuk menggunakan kad kredit. Untuk menggunakan kad kredit dengan lebih selamat, pertama anda perlu pastikan kad anda telah bertukar ke kad kredit dengan PIN.
Seterusnya, sebaik sahaja kad kredit anda tamat tempoh dan anda mendapat kad kredit yang baharu, patahkan kad kredit lama anda pada bahagian magnetiknya sebelum membuang atau memulangkan kad tersebut ke bank. Hal ini kerana bahagian tersebut menyimpan semua maklumat sensitif kad kredit anda.
2. Jangan layan panggilan atau e-mail dari “Bank”
Kebiasaannya, bank hanya akan menghubungi anda jika anda membuat pembelian dengan nilai yang tinggi bagi memastikan kad anda tidak digunakan sewenang-wenangnya. Bank Negara atau bank pengeluar kad kredit anda TIDAK akan menghubungi anda untuk dapatkan maklumat kad kredit anda untuk “pengesahan”, terutamanya 3 digit yang dibelakang kad anda. Jika anda menerima panggilan dari individu yang mengaku sebagai pegawai bank untuk lakukan pengesahan kad kredit anda, JANGAN beri sebarang maklumat.
Perkara yang sama juga perlu dipraktikkan jika anda menerima e-mail yang tidak kelihatan sahih dan mencurigakan dari bank . JANGAN klik sebarang link dari e-mail tersebut atau membalas. Ia mungkin merupakan phishing email yang akan memperdaya anda untuk memberikan maklumat peribadi. Jika anda menerima e-mail seperti berikut, lupuskan dengan segera dan laporkan ke pihak bank.
3. Sentiasa berwaspada
Semasa melakukan pembayaran menggunakan kad kredit, semak kad kredit sebaik sahaja ia dipulangkan kepada anda. Ada kemungkinan kad tersebut bukan kad anda, dan ditukarkan ke kad yang telah tamat tempoh (ini merupakan satu modus operandi yang biasa dilakukan dalam pencurian kad kredit). Simpan resit pembelian anda untuk memudahkan anda memeriksa transaksi terhadap penyata bulanan.
Lihat juga: Kad Kredit Tebaik di Malaysia
CompareHero.my berusaha untuk memperkasakan rakyat Malaysia dengan pengetahuan kewangan dan permudahkan urusan untuk membuat keputusan kewangan yang lebih baik. Bandingkan kad kredit terbaik, pinjaman peribadi, insurans perjalanan, dan insurans kereta di CompareHero.my hari ini.
