Tag Archive: ccris

vcredit-card-101-basics

Credit Card 101: Everything You Need To Know About Credit Card

By March 4, 2021 7:19 pm

What is a credit card? A credit card is a way to pay for goods and services and is essentially a type of short term loan issued by a bank or a financial institution to the account holder. This means that whenever you spend with your card, you’re borrowing money from the bank and paying […]

how-to-build-credit-score-for-the-first-time-in-your-20s

I’m Only 21 Years Old. Do I Need A Credit Score?

By February 5, 2021 11:27 am

Most of us are unaware of how important it is to start building our credit scores early in life. We only realise this 3-digit number plays a vital role in getting our bank loans and credit card applications approved later on. Read on to find out why you should start establishing your credit score at […]

tips-untuk-lulus-pinjaman-bank

Tips Untuk Luluskan Pinjaman Peribadi Bank Di Malaysia

By February 3, 2021 2:42 pm

Proses memohon untuk pinjaman boleh memeningkan kepala, tetapi jangan risau! Ikuti tip-tip dibawah untuk ketahui apa yang anda perlu buat supaya permohonan pinjaman anda tidak ditolak oleh pihak bank! 1. Periksa rekod kewangan anda Sebelum anda memulakan permohonan untuk pinjaman, periksa dahulu keadaan rekod kewangan anda. Perkara pertama yang akan dilihat oleh pihak bank ialah […]

perbezaan-ccris-ctos

Apakah Perbezaan Laporan Kredit CCRIS dan CTOS?

By January 25, 2021 6:12 pm

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.  Apakah itu CCRIS? CCRIS atau Pusat Sistem Maklumat Rujukan Kredit (Central Credit Reference Information System) menyediakan laporan […]

What Happens If You Make Late Credit Card Payments

By August 7, 2019 12:00 pm

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 score guide

Ultimate Guide To Credit Scores

By July 21, 2019 11:00 am

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 […]

How do I calculate my Debt Service Ratio?

By April 25, 2019 10:00 am

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 […]

beza kadar keuntungan dan kadar faedah

Perbezaan Diantara Kadar Keuntungan dan Kadar Faedah

By April 2, 2019 4:49 pm

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 […]

compare ctos ccris features, similarities and differences

What Is A CTOS & CCRIS Report And What’s Their Difference?

By April 2, 2019 11:00 am

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 […]