Bagaimana Untuk Menghadapi Pengutip Hutang?
- By CompareHero.my
- January 26, 2021
Anda mempunyai bayaran pinjaman yang tertunggak? Jika anda risau diganggu oleh pengutip hutang, teruskan membaca untuk ketahui hak anda apabila dikunjungi pengutip hutang.
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Siapakah pengutip hutang?
Pengutip hutang, atau ejen pemungut hutang, adalah agensi yang biasanya diupah oleh bank, syarikat telekomunikasi, atau syarikat utiliti. Agensi ini menawarkan perkhidmatan untuk memungut hutang dari individu, perniagaan, atau syarikat jika penghutang gagal membuat bayaran.
Namun, oleh kerana pelaksanaan undang-undang agak longgar dalam bidang ini pengutip hutang, masalah timbul apabila pengutip hutang bersikap melampaui batas sewaktu menjalankan perkhidmatan mereka. Perkhidmatan kutipan hutang sebenarnya sah disisi undang-undang jika ianya dilaksanakan oleh pengutip hutang yang berlesen di Malaysia.
Seperti yang dinyatakan oleh Bank Negara Malaysia, bank dibenarkan untuk menggunakan servis pengutip hutang, dengan beberapa terma dan syarat yang perlu dilaksanakan untuk memastikan agensi pengutip hutang menjalankan perkhidmatan mereka dengan beretika.
Apakah hak anda sebagai penghutang?
Bank Negara Malaysia telah menggariskan beberapa panduan untuk diamalkan oleh pengutip hutang. Proses pemungutan hutang perlu dilakukan dengan tindakan yang adil kepada penghutang, termasuk melindungi privasi sewaktu mengutip hutang. Dibawah garis panduan yang disediakan, pihak bank yang menggunakan ejen pengutip hutang perlu pastikan:
- Memupuk standard professionalisme yang tinggi sewaktu mengutip hutang.
- Memastikan ejen menggunakan tindakan yang beretika dalam mengutip hutang.
- Tidak menggunakan kekerasan.
- Memberikan notis pemberitahuan terlebih dahulu kepada penghutang.
- Menunjukkan kad kuasa.
- Memastikan maklumat penghutang tepat dan jelas.
- Mematuhi undang-undang berkaitan perlindungan maklumat dan privasi.
1. Hak anda kepada maklumat
Jika anda dihubungi oleh pengutip hutang, anda boleh meminta mereka untuk menunjukkan kad kuasa, nama syarikat pemungut hutang, dan notis makluman hutang anda.
2. Ada had masa terhadap hutang anda
Di Malaysia, di bawah Akta Had Masa 1953, wujud had masa yang diperuntukkan untuk pemiutang mengambil tindakan keatas penghutang. Pemiutang perlu mengambil tindakan undang-undang dalam tempoh masa tersebut. Dalam kes ini, tempoh masa yang dikenakan ialah 6 tahun. Selepas tempoh tersebut, institut kewangan tidak boleh mengambil tindakan terhadap penghutang yang tidak membayar hutang.
Sebagai contoh, katakan anda memohon pinjaman peribadi dari bank pada tahun 2017, dengan tempoh bayaran semula selama 7 tahun. Jadi, anda sepatutnya telah melangsaikan bayaran pinjaman tersebut pada tahun 2024. Sekiranya anda masih belum berbuat sedemikian, bank diberikan tempoh masa sehingga 2030 untuk mengambil tindakan undang-undang.
Jadi, jika ejen pengutip hutang berjumpa dengan anda untuk hutang yang anda pinjam lebih dari 6 tahun yang lalu, mereka tidak berhak untuk mengambil tindakan undang-undang disebabkan had tempoh tersebut. Tempoh masa ini biasanya sama untuk semua produk dari bank, dari kad kredit hingga ke pinjaman.
3. Pengutip hutang tidak boleh menggunakan kekerasan
Menurut “Garis Panduan Pungutan Hutang” yang dikeluarkan oleh Bank Negara Malaysia, ejen pemungut hutang tidak boleh menggunakan kekerasan sewaktu memungut hutang. Ini bermakna sewaktu berjumpa pemiutang, ejen tidak boleh mengugut, memukul, ataupun menggunakan bahasa kesat semasa memungut hutang.
4. Pengutip hutang tidak boleh menghubungi pemiutang lebih dari 3 kali
Jika ejen pengutip hutang sering kali menghubungi anda serta datang ke tempat kerja atau rumah, anda boleh memfailkan aduan ke Bank Negara Malaysia. Ini kerana, syarikat pemungut hutang tidak boleh menghubungi pemiutang lebih dari 3 kali seminggu. Jika mereka melanggar arahan ini, anda boleh membuat aduan.
5. Pengutip hutang tidak boleh mengancam anda
Pengutip hutang tidak boleh mengancam anda dan juga menggunakan tindakan yang luar dari undang-undang untuk memaksa anda membayar hutang tersebut. Ini termasuklah menceroboh ataupun membuat kerosakan. Mereka juga tidak dibenarkan untuk mengikuti anda dari tempat kerja, dan juga mengintip lokasi anda.
6. Maklumat Anda Tidak Boleh Dikongsi
Akta Perlindungan Data Peribadi 2010 (Akta 709) memainkan peranan penting untuk melindungi hak individu bagi mengelakkan syarikat menjual, berkongsi, atau menggunakan maklumat anda bagi kepentingan pihak ketiga. Akta ini mengandungi pelbagai garis panduan yang meliputi pengumpulan, penggunaan, pendedahan serta perlindungan maklumat yang diberikan individu untuk tujuan komersial.
Jika anda dapati ejen pengutip hutang telah menggunakan maklumat anda untuk memalukan atau memaksa anda membayar hutang (seperti mendedahkannya kepada rakan-rakan), mereka telah melanggar peraturan dibawah akta ini.
Bagaimana cara untuk membuat aduan?
Anda boleh memfailkan aduan dengan bank berkenaan jika ejen pengutip hutang melanggar etika diatas. Jika anda tidak berpuas hati dengan cara bank menangani aduan anda, anda boleh failkan aduan anda terus ke Bank Negara Malaysia di:
BNMTELELINK (Pusat Hubungan Pelanggan)
No. telefon: 1-300-88-5465
Emel: bnmtelelink@bnm.gov.my
Waktu operasi: 9:00 am – 5:00 pm (Isnin – Jumaat)
BNMTELELINK (Pejabat Pusat Khidmat Pelanggan)
Alamat:
Bank Negara Malaysia
Ground Floor, D Block
Jalan Dato’ Onn
50480 Kuala Lumpur
Waktu operasi: 9:00 am – 5:00 pm (Isnin – Jumaat)
Sebelum ejen pengutip hutang menghubungi anda, pihak bank biasanya telah menghantar notis pemberitahuan kepada anda untuk membayar hutang terlebih dahulu. Jangan abaikan panggilan telefon, surat, atau notis e-mel dari bank berkenaan dengan pembayaran pinjaman anda.
Sebaliknya, hubungi pihak bank sekiranya anda mengalami masalah dalam membuat bayaran semula. Bank boleh menawarkan penstrukturan semula bayaran bagi membantu anda kerana pihak bank juga ingin mengurangkan jumlah pinjaman tidak berbayar (non-performing loans).
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Where To Buy Touch ‘n Go Card In Malaysia And Use Them
- By CompareHero.my
Did you know that you can pay for groceries with the Touch ‘n Go (TnG) card? Gone are the days when we used it to pay for the toll only. The card now offers more features and benefits to its card users. Read on so you can get the most out of your TnG card.
Related: All you need to know about Touch ‘n Go RFID
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What is Touch ‘n Go?
It is a prepaid smartcard that uses contactless technology, hence the name for the card. The information contained in this card can be read and written via magnetic induction using specific radio frequency and smartcard software. TnG cards are used as a mode of payment for highways, public transport, selected parking locations, retail and also theme parks.
Touch ‘n Go Sdn Bhd was incorporated in October 1996 and launched its Touch ‘n Go services in March 1997 at the Metramac Highway and PLUS Expressways. Touch ‘n Go is the only Electronic Toll Collection (ETC) operator for all highways in Peninsular Malaysia. It is also accepted as the Common Ticketing System (CTS) for major public transport in Klang Valley. Touch ‘n Go Sdn Bhd is a private limited company, and among its shareholders are CIMB Group Holdings Berhad, MTD Capital Berhad and PLUS Expressways Berhad.
Today, there are more than 17 million active TnG cards with more than 6 million average transactions per day.
Related: Ultimate Guide To E-Wallet In Malaysia – Which Should You Get?
The different types of Touch ‘n Go cards
Touch ‘n Go Card: This is the basic card, and costs RM10.60 including GST. You will need to top-up to reload your card with value.
Touch ‘n Go Zing: This card has an auto-reload function. It is linked with the user’s debit or credit card account which will be debited with the auto-reload value. It is available for all VISA, MasterCard, AMEX and debit cardholders of participating banks.
Read more about Zing Card here.
Tesco Clubcard: Cardholders can enjoy Tesco Clubcard and TnG features. It can also be used as a prepaid smartcard at selected Tesco stores and other Touch ‘n Go participating outlets.
Watsons VIP Card: A 2-in-1 card that provides reward points for Watson VIP members in addition to the benefits you are entitled to with Touch n Go.
Touch ‘n Go Photocard: Personalize this card face design with your own chosen photo or graphic. The card is priced at RM21.20, and is sold at Touch ‘n Go Customer Experience Centre Bangsar South, NU Sentral Hub and Wisma Nufri Johor Bahru Hub.
Where Can You Use Touch n’ Go?
Tolls
Enter the Touch ‘n Go lanes on highways and tap on the payment portal to pay your toll fee. Toll use is the most utilized feature of TnG cardholders for tolls payment.
Public Transport
Use it to pay for the LRT, MRT, Monorail, KTM and busses. Just tap onto the gates with your TnG card and the ticket fee will automatically be deducted from your card balance.
Parking Spaces
More parking spaces in malls, hospitals, and sometimes even hotels, accept payment via TnG cards. Remember that you need a minimum balance to ensure you have enough to cover the parking fees when exiting. Many prefer using their TnG cards to avoid queuing at the autopay machines but do take note that additional fees are imposed when you pay with TnG.
Retail Stores
Whether you’re stocking up on your groceries, buying a book, or even getting a car wash, you can pay for it with a TnG card. The list of retail stores that accept TnG payment are:
Food & Beverages
- DubuYo (One Utama, Bangsar Village, Desa Park City, Suria KLCC and Pavilion KL only)
- NZ Curry House
- Subway (at Menara MBC only)
- The Chicken Rice Shop
- UMEC Foodbox Enterprise
- Sepiring
Pharmacy/Health & Beauty Stores
- DuoPharma Marketing Sdn Bhd (at Bangi outlet only)
- Watsons Personal Stores
Entertainment/Theme Park
- TGV Cinemas
Hotels
- Kings Hotel (Ayer Keroh, Melaka)
- Vistana Hotel (Kuala Lumpur & Kuantan)
Others
- Asia Global
- Bank Negara Malaysia
- Bank Rakyat
- Cempaka International School
- Central Photo Inn @ Pasar Seni
For a full list of retail stores that accepts TnG payment, click here.
Alternatively, you can use the TnG Interactive map here to see where TnG cards are accepted and where you can reload your card.
Touch ‘n Go Safety
After you buy a TnG card, you should register it online at the MYTouchnGo portal. In case of a discrepancy or if your card is stolen, your TnG card can be easier verified for refunds. . You can also block or cancel your card by contacting 03-2714 8888 Touch ‘n Go Careline Center, 7:00 am to 10:00 pm daily, including public holidays. You can also monitor all of your TnG transactions, view rebates, and transfer ownership of your card via the portal.
Where can you get a Touch ‘n Go Card?
TnG cards can be purchased at Touch ‘n Go Hubs, Touch ‘n Go SPOTs at selected petrol stations, Watson’s Personal Care Store, and at Touch ‘n Go Sales Counters located at highways. You can also get a Touch ‘n Go card from selected PETRONAS petrol stations, LRT Stations and third party agents. Click here to find a location near you.
For TnG Zing card, you can only get it if you are a cardholder of the participating banks which are:
- CIMB Zing Card
- Maybankard Touch ‘n Go Zing
- Hong Leong Bank Berhad (Debit)
- Hong Leong Bank Berhad (Credit)
- Bank Simpanan Nasional Berhad
- Affin Bank Touch ‘n Go MasterCard Gold
- Affin Bank Touch ‘n Go MasterCard Classic
- AEON Credit Malaysia Berhad
As for the Watsons VIP card, you can purchase it at any Watson’s store or and the Tesco club card is also available at Tesco outlets nationwide.
How do I reload my Touch ‘n Go Card?
TnG cards can be reloaded via:
- TnG Customer Experience Centre, (CEC)
- TnG Hubs
- TnG Spots
- Petrol Kiosks
- Convenience stores
- ATMs
- Pharmacies
- Self-service Kiosks
- Customer Service Counters at selected Toll Plazas
- Reload lanes at toll plazas on selected highways
Always make sure you go through authorized partners only. You risk having your TnG card blacklisted if an illegal reload through unauthorised parties has been detected. The card and its remaining balance will be forfeited and then forwarded to the authorities for investigation. For a list of authorized TnG reload points, click here.
You can reload your TnG card with RM10, RM20, RM35, RM50, RM100, RM200 and RM500. The maximum reload value is capped at RM1,500 for safety purposes.
Your TnG card will remain active as long as you reload or use at least once a year. A card is deemed inactive when it has no record of transactions in a 12 month period. Once a card is deactivated, a dormant fee of RM5.30 will be charged immediately and deducted from the deposit or the unutilised card balance. If a deactivated card continues to remain inactive, RM5.30 will be further deducted from the deposit or unutilised card balance once every 6 months.
If you will no longer be using the card, you can return it to TnG counters and get your unutilised card balance refunded, but this is subject to the terms & conditions. Stay tuned as we will update this article once more information on the upcoming Touch ‘n Go e-wallet is available.
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Apakah Perbezaan Laporan Kredit CCRIS dan CTOS?
- By CompareHero.my
- January 25, 2021
Sering mendengar istilah CCRIS dan CTOS, namun anda tidak tahu perbezaan istilah tersebut? Jangan risau, kami terangkan dengan lebih lanjut dalam artikel ini. Teruskan membaca untuk mengetahui perbezaan CCRIS dan CTOS, dan mengapa kedua-duanya penting untuk rakyat Malaysia.
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Apakah itu CCRIS?
CCRIS atau Pusat Sistem Maklumat Rujukan Kredit (Central Credit Reference Information System) menyediakan laporan kredit dan diuruskan oleh Biro Kredit Bank Negara Malaysia. Secara ringkas, CCRIS mengumpul maklumat kredit dari pengendali servis kewangan di Malaysia seperti bank, broker insurans, dan juga syarikat swasta yang menyediakan servis utiliti seperti telekomunikasi. Antara maklumat yang akan terpapar dalam laporan kredit CCRIS ialah pinjaman tertunggak, saman, dan status muflis.
Semua maklumat dan data kemudiannya dimasukkan ke dalam laporan kredit, dan institusi kewangan seperti bank akan mempunyai akses kepada laporan tersebut. Data pada laporan kredit akan dibahagikan kepada tempoh 12 bulan.
Ia akan mengandungi kredit maklumat berkaitan seorang individu seperti di bawah:
- Pinjaman atau kredit tertunggak seperti pinjaman kereta, pinjaman rumah, pinjaman peribadi, dan lain-lain.
- Akaun perhatian khas, iaitu akaun dimana kemudahan kredit dibawah penyeliaan institut kewangan.
- Permohonan pinjaman kredit dalam tempoh 12 bulan yang telah diluluskan atau dalam proses untuk diluluskan.
Namun, ingat bahawa CCRIS bukan sahaja mengandungi maklumat negatif seseorang individu, tetapi ia juga mengandungi maklumat positif, seperti permohonan pinjaman kredit yang telah diluluskan dan sejarah pembayaran semula yang positif.
Ramai masyarakat Malaysia beranggapan CCRIS boleh menyenarai hitam nama seseorang individu yang memiliki corak pembayaran semula hutang yang buruk. Namun, ianya tidak benar. CCRIS tidak mempunyai kuasa untuk menyenarai hitam mana individu, sebaliknya hanya membekalkan data untuk institusi kewangan bagi membantu mereka membuat keputusan.
Anda boleh mendapatkan laporan CTOS peribadi dari Bank Negara, tetapi anda hanya boleh mendapat maklumat anda sahaja. Jadi, anda tidak boleh mendapatkan bantuan orang lain untuk mendapatkan laporan tersebut. Anda perlu menyediakan salinan kad pengenalan dan juga dokumen sokongan yang lain. Anda boleh mendapatkan laporan kredit CTOS anda di ibu pejabat Bank Negara Malaysia atau di cawangan serantau Bank Negara Malaysia.
Cara-cara untuk dapatkan laporan CCRIS
Anda boleh dapatkan laporan atau report CCRIS melalui lima cara:
1. Kiosk Bank Negara Malaysia
Lawati mana-mana cawangan Bank Negara Malaysia dan dapatkan laporan CCRIS anda secara percuma di Kiosk. Anda hanya perlu membawa kad pengenalan (MyKad) untuk digunakan di Kiosk tersebut.
2. Agensi Kaunseling dan Pengurusan Kredit (AKPK)
Anda juga mendapatkan laporan CCRIS secara percuma di mana-mana cawangan AKPK. Anda boleh datang secara walk-in dan bawa kad pengenalan (MyKad) untuk pengesahan diri.
Lihat juga: Urus Hutang Anda Secara Percuma Bersama AKPK
3. eCCRIS Bank Negara Malaysia
Untuk cara yang lebih senang dan pantas, anda boleh mendapatkan laporan CCRIS anda melalui eCCRIS. Tetapi, anda mesti berdaftar dengan Bank Negara atau AKPK terlebih dahulu.
Cara untuk dapatkan laporan CCRIS melalui eCCRIS:
- Layari laman web eCCRIS (klik sini)
- Klik “First Time Login”
- Isi segala maklumat yang diperlukan dan nombor PIN
- Klik “Submit”
- Ikut arahan selanjutnya untuk melengkapkan proses pendaftaran
- Setelah selesai, anda boleh logmasuk ke sistem eCCRIS dan memilih “Enquiry” untuk mendapatkan laporan CCRIS anda.
4. RAM Credit Info (RAMCI)
RAMCI ialah biro maklumat pengguna dan perniagaan terkemuka di Malaysia. Ini menyediakan laporan kredit, amaran dan pemantauan, terutama kepada institusi kewangan, membantu mereka dengan aktiviti kredit, pengurusan portfolio dan aktiviti pengumpulan. Untuk mendapatkan laporan CCRIS anda, anda perlu membayar RM15.00.
Cara untuk dapatkan laporan CCRIS melalui RAM Credit Info:
- Layari laman web RAMCI (klik sini)
- Klik butang “Get Started”
- Isi segala maklumat diperlukan dan dapatkan kod OTP
- Masukkan nombor OTP
- Klik “Sign Up”
- Ikut arahan selanjutnya untuk melengkapkan proses pendaftaran
Setelah proses pendaftaran selesai, laporan CTOS anda akan dihantar ke emel yang anda. Pastikan anda memasukkan emel yang sah dan aktif semasa mendaftar.
5. Laman web CTOS
Syarikat CTOS juga menyediakan laporan CCRIS. Anda boleh dapatkan laporan tersebut secara online melalui lama web CTOS. Anda perlu membayar caj RM26.50 untuk mendapatkan laporan kredit lengkap tersebut.
Butiran-butiran yang termasuk dalam pakej laporan lengkap:
- Laporan asas MyCTOS
- Skor CTOS
- Rekod CCRIS (BNM)
- Cek tak laku
- Akses kepada faedah lain
Cara untuk mendapatkan laporan CCRIS di laman web CTOS:
- Layari laman web CTOS (klik sini)
- Isi segala maklumat yang diperlukan
- Dapat dan masukkan “Verification Code”
- Klik “Continue”
- Ikut arahan seterusnya untuk lengkapkan pendaftaran
Setelah proses pendaftaran selesai, laporan CTOS anda akan dihantar ke emel yang anda. Pastikan anda memasukkan emel yang sah dan aktif semasa mendaftar.
Apakah itu CTOS?
CTOS merupakan sebuah syarikat swasta yang menyediakan laporan kredit dan juga digunakan secara meluas oleh institut-institut kewangan untuk menentukan kelayakan kredit pemohon, selain daripada menggunakan laporan CCRIS. Biasanya, institut kewangan akan menggunakan lebih dari satu laporan kredit untuk mendapatkan gambaran sebenar keadaan kredit pemohon.
CTOS mengumpul maklumat dalam laporan yang disediakan melalui sumber-sumber awam seperti yang berikut:
- Jabatan Pendaftaran Negara
- Jabatan Insolvensi Malaysia
- Suruhanjaya Syarikat Malaysia (SSM)
- Penerbitan prosiding undang-undang, makluman di akhbar, dan warta kerajaan
- Notis undang-undang dalam akhbar
- Carian di pendaftar pertubuhan
- Maklumat hubungan yang disediakan oleh pemiutang, litigator atau penyokong perdagangan
- Maklumat sukarela yang diberikan oleh subjek sendiri
Maklumat yang terkandung dalam laporan CTOS termasuk:
- Status muflis individu
- Tindakan undang-undang
- Status kes
- Pemilikan perniagaan dan sebagainya
Sama seperti CCRIS, CTOS tidak akan mengeluarkan pandangan, komen, atau menyenarai hitam mana-mana individu. Anda boleh mendapatkan laporan CTOS melalui MyCTOS. Pertama, anda perlu daftar diri anda untuk memperoleh ID Pengguna CTOS. Selepas anda mengaktifkan ID, laporan anda boleh diakses bila-bila masa termasuklah melalui aplikasi CTOS.
Lihat juga: Panduan Memilih Kad Kredit Yang Sesuai Untuk Anda
Cara untuk dapatkan laporan CTOS:
- Layari laman web CTOS (klik sini)
- Isi segala maklumat yang diperlukan
- Dapat “Verification Code” dan klik “Continue”
- Ikut arahan selanjutnya untuk lengkapkan pendaftaran
Setelah proses pendaftaran selesai, laporan CTOS anda akan dihantar ke emel yang anda. Pastikan anda memasukkan emel yang sah dan aktif semasa mendaftar.
Jadi, apakah perbezaan antara CCRIS dan CTOS?
Kedua-duanya menyediakan laporan kredit. Bezanya, CCRIS dibawah Bank Negara manakala CTOS pula merupakan syarikat swasta. Satu lagi perbezaan utama ialah bagaimana maklumat tersebut dikumpulkan. CCRIS memperolehi maklumat daripada institusi kewangan. Manakala CTOS mendapatkan maklumat berkaitan kredit daripada sumber awam seperti yang kita dibincangkan sebelum ini. Namun, kedua-duanya menyediakan laporan kredit walaupun perbezaannya adalah bagaimana maklumat kredit tersebut diperolehi.
Kepentingan laporan CCRIS dan CTOS
Digunakan oleh pihak bank
Apabila anda memohon kad kredit atau pinjaman dari bank, permohonan anda akan melalui proses kelulusan kredit sebelum bank memutuskan untuk meluluskan atau menolak permohonan tersebut. Laporan CCRIS dan CTOS akan digunakan dalam proses ini. Jika laporan anda menunjukkan status kredit yang positif, bank tidak mempunyai masalah untuk meluluskan permohonan anda. Tetapi sekiranya laporan kredit individu tersebut menunjukkan dia sering gagal membayar hutangnya yang tepat pada masanya, besar kemungkinan bank tidak akan meluluskan permohonannya.
Pihak bank juga akan melihat laporan kredit untuk menentukan Nisbah Khidmat Hutang (debt service ratio) seseorang individu sebelum menentukan kelulusan permohonan. Ini kerana bank mengambil risiko apabila meluluskan permohonan anda. Jadi, CCRIS dan CTOS merupakan antara alat yang digunakan untuk mengurangkan risiko tersebut.
Menunjukkan corak bayaran balik hutang anda
Bayangkan laporan CCRIS dan CTOS umpama sejarah pelayaran Internet anda, bezanya ialah anda tidak boleh memadamnya dengan mudah dan sesuka hati. CCRIS dan CTOS akan menunjukkan kemampuan anda untuk membuat bayaran semula komitmen kewangan anda.
Sebagai contoh, jika anda membuat pinjaman PTPTN, bukan sahaja rekod bayaran anda akan ditunjuk, rekod sewaktu anda lambat membuat pembayaran juga akan ditunjukkan oleh laporan kredit. Ini akan menjejaskan peluang anda untuk memohon kad kredit dan pinjaman peribadi dengan mudah. Oleh itu ia sangat penting untuk anda sentiasa pastikan laporan kredit anda positif dan dikemaskini.
Kini setelah anda mempunyai pemahaman lebih baik tentang CCRIS dan CTOS, tiba masanya untuk anda tumpukan lebih perhatian kepada laporan kredit supaya anda tidak mensabotaj permohonan kredit anda pada masa akan datang!
Lihat juga: Lakukan Langkah ini Jika Anda Tiada Skor Kredit
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Bantuan Prihatin Nasional 2.0: Here’s What You Need To Know
- By CompareHero.my
- January 22, 2021
This article was first published on September 24, 2020 and has been edited and updated for accuracy and clarity.
In an effort to boost economic recovery and help Malaysians cope with the economic fallout of the COVID-19 pandemic, Prime Minister Tan Sri Muhyiddin Yassin today announced that the final payment of the Bantuan Prihatin Nasional (BPN 2.0), which was introduced last year, will be brought forward from Jan 21, 2021 onwards.
In a live telecast today, the prime minister stated that 11.1 million recipients will receive a total payment of RM2.38 billion.
During the same telecast, Muhyiddin also revealed the new RM15 billion Malaysian Economic and Rakyat’s Protection Assistance Package (Permai). The prime minister said the additional package will include 22 new initiatives that are based on three main objectives, which are to combat the COVID-19 pandemic, safeguard the people’s welfare and support businesses.
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Some of Permai’s key initiatives:
Under the Permai stimulus package, Muhyiddin stated that the loan moratorium will be extended, and the reduction of repayment instalments will continue to be offered by banks. As for PTPTN borrowers who are affected by COVID-19 or floods, they can apply for a three-month PTPTN loan repayment moratorium (the borrowers have until March 31, 2021 to submit their application).
The announcement has prompted an instant response from Bank Negara Malaysia (BNM), which stated via Twitter that loan takers can request repayment moratorium and this will not affect their Central Credit Reference Information System (CCRIS) records. (The CCRIS is a platform that compiles credit-related information on all borrowers of participating financial institutions in Malaysia.)
✅ Bank masih beroperasi sepanjang Perintah Kawalan Pergerakan & proklamasi darurat.
✅ Jangan ragu-ragu untuk menghubungi bank melalui telefon, e-mel & secara dalam talian jika memerlukan bantuan bayaran balik pinjaman.#BantuanTersedia #Moratorium #PKP #TRA #Bank pic.twitter.com/JjGSbPQyVk
— Bank Negara Malaysia (@BNM_official) January 18, 2021
Bank Negara Malaysia has assured loan takers that their CCRIS reports will not be affected when they request for repayment moratorium. (Source: Bank Negara Malaysia)
Speaking of credit-related data, credit reporting agency CTOS has also explained that payments deferred under the moratorium will not affect your credit score or your ability to apply for loans in the future. The agency has assured the public that these deferred payments will not be reflected as defaulted payments in their credit reports, and subsequently their credit scores.
The moratorium extension is welcome news for a number of Malaysians, as BNM had previously received over 640,000 applications for the Targeted Loan Repayment Assistance (TRA) following the end of the initial six-month loan moratorium period on October 1 last year. The TRA, which was initiated on October 1, 2020 and later expanded upon during the tabling of Budget 2021, enabled borrowers to defer their monthly instalments for three months, or reduce it by 50% for six months.
Besides the loan moratorium extension, several new initiatives in the Permai package are also meant to aid the country in containing the COVID-19 pandemic, which has seen a rise in the number of cases with parts of Malaysia currently under the Movement Control Order (MCO):
- RM150 million has been allocated to recruit an additional 3,500 healthcare staff.
- A RM500 one-off payment for healthcare frontliners and RM300 to other frontliners, which will be paid in the first quarter of 2021.
- The Government has signed three agreements with vaccine manufacturers, and is expected to receive the first batch of vaccines in February. A total of RM3 billion has been allocated for the COVID-19 National Immunisation Programme.
Recent economic stimulus packages
BPN 2.0 is one of several initiatives under the RM10 billion Prihatin Supplementary Initiative Package (Kita Prihatin), which was announced by the prime minister in September 2020.
The additional package includes the RM7 billion Bantuan Prihatin Nasional 2.0 (dubbed BPN 2.0), the RM2.4 billion Wage Subsidy Programme 2.0 and the RM600 million Prihatin Special Grant (GKP).
The package targets four main groups: married and singles from the bottom 40% income group (B40); married and singles from the M40 group, local workers in various fields and micro-traders in various fields.
It’s also the extension of the previous economic stimulus packages: PRIHATIN, PRIHATIN SME PLUS and PENJANA worth a total of RM295 billion, or about 20% of the nation’s gross domestic product (GDP), with an additional fiscal injection by the government totalling RM45 billion.
All in all, the package would greatly benefit those who are still finding it hard to cope with the negative effects of the pandemic. Here’s a breakdown of Bantuan Prihatin Nasional 2.0, and how you could benefit from it:
What is Bantuan Prihatin Nasional (BPN) 2.0?
BPN 2.0, an extension of previous economic stimulus packages, is a one-time off cash assistance for B40 and M40 households and individuals to cope with the economic effects of COVID-19. A total of RM7 billion has been allocated for BPN 2.0 which will benefit 10.6 million recipients.
So, how much can you get from BPN?
The distribution of BPN will be made in two stages: the first round of payment to be released at the end of October 2020, and another round will be made in January 2021.
Eligibility
| Category | Income | Payment phase | Total | ||
| First phase | Second phase | ||||
| Households | B40 | RM 4,000 and below | RM 700 | RM 300 | RM 1,000 |
| M40 | RM 4,001 – RM 8,000 | RM 400 | RM 200 | RM 600 | |
| Individuals (singles) | B40 | RM 2,000 and below | RM 350 | RM 150 | RM 500 |
| M40 | RM 2001 – RM 4,000 | RM 200 | RM 100 | RM 300 | |
Recipients of BPN 1.0 will automatically be eligible for BPN 2.0. They are also not required to apply for BPN 2.0. Those who were not eligible for the original BPN 1.0 may apply for BPN 2.0 if they are eligible; new applications can be made starting 15 October 2020.
How will BPN 2.0 be distributed?
BPN 2.0 will be distributed similar to how the original BPN was.
Payments for (Bantuan Sara Hidup) BSH recipients will be automatically made into accounts that are registered in the BSH database. Non-BSH recipients with successful credit will receive cash via their accounts registered in the BPN database.
Those with credit failure (aka blacklisted and bankrupt individuals) or without a bank account may redeem their cash via Bank Simpanan Nasional.
What else should you know?
Besides BPN, the government also introduced the Wage Subsidy Programme 2.0 (worth RM2.4 billion) to assist employers and employees in sectors that are still adversely affected as well as the Prihatin Special Grant (worth RM600 million) to aid more than 200,000 micro-businesses across Malaysia.
According to Muhyiddin, as of September 11, a total of 2.63 million workers and 321,000 employers had benefited from the initial Wage Subsidy Programme, involving an expenditure of RM10.4 billion.
Applications for the Prihatin Special Grant will open from October 1 to 31, 2020. Muhyiddin also said payments are targeted to be made from November 25.
We will be updating this page from time to time where relevant, so watch this space if you would like to stay updated on further information from the Ministry of Finance.
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How Credit Cards Can Affect Your Credit Score
- By CompareHero.my
- January 21, 2021
Credit cards can boost or sink your credit score, a financial tool that opens doors to many good things in life – such as favourable bank loans for your dream car and home, as well as competitive interest rates. Find out what you should do and what to avoid so you can achieve a healthy credit card balance and credit score.
Your credit cards and credit scores have a significant influence in shaping the state of your finances. A credit card enables you to shop and spend without the inconvenience of carrying around large amounts of cash, while your credit score – a three-digit number which represents how likely you are to repay debt in full and on time – is among the key factors that will be taken into consideration when the banks are reviewing your loan or credit card application.
As you shall see, these two credit-related financial tools (credit cards and credit scores) are closely connected. Since financial institutions do not know you well enough to evaluate your level of debt repayment, they use your credit score to gain a better understanding of the potential risks that come from lending money to you. So having a strong score improves your chances of getting a bank loan or credit card. You’ll also be able to leverage the banks for better financing options such as lower interest rates or flexible payment periods.
To improve your credit score, you’ll need to build up a record of timely bill payments, minimal debt and responsible borrowing, which is also known as your credit history, and that’s where your credit card usage can significantly impact your score.
The number of credit cards you have, whether you pay your credit card bills on time, and the amount of credit card debt you currently owe are some of the most important details in your credit history, and these records will turn up in the credit reports generated by credit reporting agencies. Based on your credit reports, the agencies will then calculate your credit score according to these factors:
- Payment history (a record of the payments you have made for credit card bills, bank loans and other debts)
- The amount of debt you have in comparison to your credit limit
- The length of your credit history (how long you’ve used credit)
- The types of accounts you have (e.g. home loan, car loan and credit cards)
- Recent credit activity (if you have recently been approved for loans/credit cards)
Now, let’s go into further detail about how your credit cards can affect your credit score.
Huge credit card debts can negatively affect your debt utilisation ratio, and subsequently your credit score.
Late or missed payments
When you’re late in paying off your credit card bills, the outstanding balance in your credit card statement will accumulate interest at an alarming rate – with banks charging an average of 11% to 18% of interest.
On top of that, a late payment fee will also be charged to you. Even if you can afford the minimum amount (the smallest amount of money you have to pay every month to keep your credit card account in good standing), there will still be interest charged to any unpaid amount.
Thus, your debts will pile up while your credit limit remains the same, and this, in turn, will affect your debt utilisation ratio, a vital component that helps determine your credit score.
What is debt utilisation ratio?
As part of the process to evaluate your credit score, credit reporting agencies will take into account the debt utilisation ratio in your monthly credit card statements. This ratio – which represents the percentage of available credit you’re currently using – is calculated based on your present amount of credit card debt compared to the credit limit of all your cards combined.
It’s also important to keep your debt utilisation ratio below 30% in order to achieve a good credit score. So if your combined credit limit is RM10,000, you should have a debt utilisation of no more than RM3,000.
A high and unhealthy debt utilisation ratio will cause a dip in your credit score, as your payment history and how much money you owe make up a huge chunk of your score. According to credit reporting agency CTOS, 45% of your credit score will be based on your payment history while the number of credit facilities and the amount you owe determine 20% of your score.
Related: How To Read & Understand Your Credit Card Statement? Your Credit Card Statement Explained
Keep your debt utilisation ratio low by spreading out your purchases across numerous cards rather than one.
Having multiple credit cards
Having several credit cards can either have a positive or negative effect on your credit score. It depends on how you use them.
Lower debt utilisation ratio
Here’s one way to improve your debt utilisation ratio and subsequently your credit score with multiple credit cards: Try maintaining your current amount of spending (despite having new cards). This way, your monthly credit card debt will remain the same while you enjoy a higher combined credit limit with every new card you receive.
For example, you may have five credit cards, and each one comes with a RM5,000 credit limit. These five cards will give you a combined credit limit of RM25,000. If you typically only charge RM5,000 to your default credit card each month while rarely using the other cards, your debt utilisation ratio is only 20%. (Remember, the lower your debt utilisation ratio, the better it is for your credit score!)
How to calculate your debt utilisation ratio for the scenario above:
RM5,000 ÷ RM25,000 x 100% = 20%
Harder to keep track of your expenses
However, it can also be harder to keep track of your spending when you have multiple credit cards. If you spend beyond your means with the additional cards and you’re unable to pay your bills on time, your debt utilisation ratio will go up while your credit score could come crashing down.
Related: Ultimate Guide On Using Credit Cards Responsibly
Cancelling a credit card
You may have signed up for too many credit cards because the special offers that came with them were so enticing. Maybe you’re finding it tough to keep track of your spending with multiple credit cards. So you’ve decided to cancel some of your cards. Just hold on a second, you might want to consider how cancelling a credit card will affect your credit score before doing so.
Higher debt utilisation ratio
By closing a credit card, you might also be increasing your debt utilisation ratio. Imagine the scenario highlighted in the previous point, where you have five credit cards with a combined credit limit of RM25,000. As you consistently have a balance of RM5,000 on just one card, your debt utilisation ratio is 20%. Now, let’s say you’re cancelling three credit cards…
With 5 credit cards (total credit limit: RM25,000) | With 2 credit cards (total credit limit: RM10,000) | |
| Debt utilisation ratio with RM5,000 monthly usage | RM5,000 ÷ RM25,000 x 100% = 20% | RM5,000 ÷ RM10,000 x 100% = 50% |
| What you’ll end up with | Lower debt utilisation ratio; will help improve your credit score | Higher debt utilisation ratio; negative impact on your credit score |
Left with two credit cards, your new debt utilisation ratio would have risen to an unhealthy 50%, and this could cause your credit score to drop.
Related: Don’t Fall For These 5 Credit Score Myths!
Closing a card with a good payment history
What’s more, if you’re cancelling a card with a good payment history, you’ll also be permanently deleting a proven track record of prompt bill payments. This will have a negative impact on the credit reports and ensuing credit scores that are generated by credit reporting agencies.
On the other hand, if you’re burdened by heavy credit card debts and you’ve decided that cancelling your credit cards is the best option, then you should do so. At this point, keeping a credit card could only entice you to spend more, and consequently increase your debts.
Related: 4 Ways A Bad Credit Score Can Impact Your Life (And How You Can Fix That)
We hope this explanation will give you a better understanding of credit card usage and how it can affect your credit score. So remember to spend wisely and pay your bills on time!
