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 […]
Credit cards can either make your life a lot easier, or more difficult. In this ultimate guide, you will find everything you need to know about using your credit card in an effective and responsible manner and the best practices of money management.
Updated on 5th July 2019 Travelling is becoming a hobby for most Malaysians, especially of the Gen Y (millennials). It is understandable as travel is becoming affordable with flights getting cheaper and the availability of Airbnb removing the costs of expensive hotels rates. Not to mention the minimalist travelling style today; a backpack is all […]
We’re not talking about “Confessions of a Shopaholic” kind, where people are basically addicted to spending money they don’t have. We’re talking about people who repeatedly apply and cancel credit cards to earn rewards, bonus points, cashback and free gifts. This practice is also known as credit card churning. There are ways of maximizing credit […]
You’ve experienced it: Halfway through the month, you decide to check your spending – and you’re surprised: “Where did I spend my money ah?” It’s very likely a lazy habit that’s costing you money. Be it you’re being a complete sloth in managing your budget or just not putting effort into your savings; it could […]
Is It Good To Have Multiple Credit Cards? In today’s era of digital and cashless transactions, credit cards became a way of life. The big question is – should we have multiple credit cards? The most common school of thought will say NO – since credit card is always associated with mounting debts. However, this […]
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.