Tag Archive: credit score


6 Ways To Improve Your Credit Score

By August 18, 2021 3:00 pm

This article was first published in June 2017 and has been edited and updated for accuracy and clarity. Don’t limit your future by ignoring your credit score, here are tips you should follow to help you improve your credit score. What is a credit score? A credit score is usually derived from a person’s credit […]


4 Things to Know Before Getting Your First Credit Card

By July 5, 2021 4:25 pm

Credit cards definitely do come with their own benefits and challenges, which can make it even more exciting for first-timers. Firstly, it’s a huge milestone to be able to get that card, and secondly, it’s a big adjustment. We don’t mean to scare anyone but credit cards do come with significant risks if it’s used […]


How Do You Survive From Bankruptcy?

By April 27, 2021 4:38 pm

If you are one of the unfortunate bankrupts in Malaysia, this is not the end of the world. Some even find relief from declaring bankruptcy since they can get proper help from the authorities such as The Credit Counselling and Debt Management Agency (AKPK) and own up the responsibilities to repay their debts under the […]


6 Confessions Of A Credit Card Junkie

By April 23, 2021 1:03 pm

We’re not talking about the “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 […]


Should You Have More Than One Credit Card?

By April 23, 2021 12:33 pm

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? Is it good to have multiple credit cards? The most common school of thought will say NO since the credit card is always associated with mounting debts. However, this […]


Cara Buat Pinjaman Sekiranya Anda Mempunyai Rekod Kredit Buruk

By April 19, 2021 4:47 pm

Tidak dapat dinafikan, kad kredit dan juga pinjaman peribadi banyak membantu untuk menampung keperluan wang. Kebelakangan ini, pegawai-pegawai bank yang menawarkan permohonan dann meluluskan kad kredit boleh dilihat dimana-mana, bukan sahaja di bank. Keistimewaan seperti kelulusan yang mudah dan cepat serta cenderamata percuma disediakan untuk menarik pemohon baru. Tetapi, bagaimana pula jika anda memiliki rekod […]


What Happens When You Make Late Loan Repayments

By April 12, 2021 5:39 pm

Think that making late loan repayments is not a big deal? Think again. Whether it’s a personal loan, home loan, credit card or even study loan, here are the consequences that can happen if you miss your repayments. 1. You have to pay more Whether it is repayment for a personal loan or your credit […]


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 […]


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 […]