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 […]
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 […]
Applying for a credit card is not difficult. However, before applying for a credit card, you need to understand the features and type of credit cards in the market to suit your personal financing needs. We will guide you on how to apply for a credit card through different channels and the standard procedures involved. […]
Have you ever been asked to act as a guarantor for someone else’s loan? Often it is a partner or relative who asks, but nowadays it can also be friends or work colleagues. And, if it is for your family members, you will find it difficult to refuse.
Adakah anda sentiasa membuat pembayaran lewat untuk kad kredit anda? Atau anda mungkin berfikir bahawa kelewatan beberapa pembayaran bukan masalah besar. Sememangnya, pihak bank ataupun institusi kewangan kredit kad anda tidak akan muncul di pintu anda setelah anda kehilangan satu pembayaran, tetapi tindakan pasti diambil disebalik tabir. Tindakan ini akan memberi kesan terhadap anda untuk […]
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 […]
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 […]
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 […]
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 […]