Are you always making late payments for your credit card? Or you may think missing a few payments is not a big deal. The bank or credit card company won’t show up at your door after you miss one payment, but they’re definitely taking action behind the scenes. How your creditors respond to late payments […]
Credit History? Credit Report? Credit Score? What does it all mean? A credit history is a record of the credit accounts you hold along with details about those accounts including: the type of account, your responsibility on the account (e.g. whether you were a joint borrower), the credit limit or amount of the loan, the […]
Applying a loan is not easy and is, in fact, a very long and tedious process. When your loan goes for approval, your debt service ratio is a major consideration. It is a strong decisive factor and you need to make sure it’s good to prove to your loan officers that you have good credit […]
Adakah anda tahu perbezaan antara kewangan Islam dan kewangan konvensional? Beberapa kemungkinan menyatakan bahawa pinjaman Islamik melarang urus niaga yang berteraskan faedah. Ianya nampak seperti mudah untuk difahamkan tetapi sekiranya kadar faedah ini dilarang, bagaimana pula seseorang memperoleh keuntungan di awal pelaburan. Sebelum kita beralih ke topik seterusnya, mari kita fahami dahulu ringkasan sejarah berkenaan […]
Everytime you’ve applied for a financial product, you may have heard the terms CCRIS or CTOS thrown around, more so when you apply for loans. And if you’ve never quite understood what those terms mean or don’t know the difference between the two, we’ve simplified it for you here and listed why they are so […]
If you have ever applied for loans, you might have heard about this term that gives quite a headache to some people - “credit history”. The bigger the loan that you’re applying for, the stricter banks are going to be when they analyze your credit history. But what exactly is “credit history”?
Do you know your credit history? If you don’t, it’s time to play catch up. We compare three credit rating agencies and share its pro’s and con’s to help you decide the easiest and the best way to obtain your credit report.
We all have different financing needs at different times of our life. There are times when we need cash for urgent needs, whereas at other times we may wish to clear our existing debts or to fund other financing needs.
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 mengapa kedua-duanya penting untuk rakyat Malaysia.