RinggitPlus Guides
Smart tips and handy tools to help you choose the right financial products
Featured Guides
Historical EPF Dividend Rates
Check EPF dividend rates 2013 to 2025 (Simpanan Konvensional and Simpanan Shariah)
PTPTN Loan: Eligibility, How to Apply, and Repayment
Complete overview of PTPTN loan from requirements and application to repayment rules
Insurance Basics For Malaysians
A beginner's guide to Malaysian insurance types, rules, and application steps.
Recently Updated
Standing Instruction Or Direct Debit For Rent, TNB, And Insurance
Last updated: 4 Nov 2026
What Your Investment-Linked Plan's Annual Statement And Notices Mean
Last updated: 2 Nov 2026
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What To Do If Your Credit Card Is Used For Fraud
Learn how to dispute unauthorised charges and what happens when you report them.
Balance Transfers vs Easy Payment Plans: When To Use Each
Learn when to use a Balance Transfer and Easy Payment Plan (EPP) to clear debt.
What To Check Before Applying For A Balance Transfer
Check balance transfer fees, limits, and rules, and if moving your debt makes sense.
How Many Credit Cards Should You Have?
BNM's card limit rules, credit reporting impact, and what extra cards cost.
How To Increase Your Credit Card Limit
Find out what determines your credit limit, and how to apply for more
How Credit Card Debt Insurance Works
How credit card debt insurance works, what it costs and whether you need it
What To Check Before You Cancel A Credit Card
When to keep your oldest card and how to cancel before the service tax is due
Why Is My Credit Card Blocked Or Frozen?
Find out what blocks your card and how to restore access or dispute charges.
How To Apply For A Credit Card
Check eligibility, prepare documents and learn how banks assess applications.
When Not To Use Your Credit Card
Compare alternatives to credit card for major expenses and avoid costly interest
Understanding Personal Loans in Malaysia
How to decide if a personal loan fits your financial situation or if there’s a better option
Let us be your guide to the right personal loan
Tell us what you're looking for in a loan, and we'll find options that fit
Credit Scores: What They Are And Why They Matter
Understand how credit scores work and how to build or repair yours
Why Your Loan Application Was Rejected
Understand the reasons behind loan rejections and how you can turn things around
How Debt Service Ratio (DSR) Affects Your Loan Approval
How to calculate, improve, and manage your DSR for better loan approval chances
What R&R, SLO, And Other Loan Restructuring Terms Mean
Understand how loan restructuring affects repayments, interest costs, and CCRIS.
What The Effective Interest Rate (EIR) Tells You About A Personal Loan
Check the effective interest rate in your loan's PDS to know the real cost
What Banks Check Before Approving Your Personal Loan
Know what banks check before approving a personal loan including DSR and credit.
How To Choose A Personal Loan
Learn how to compare personal loans, calculate repayments and choose the right loan.
Personal Finance Guides
Stretch your ringgit further with practical guides on cards, loans, insurance, and savings.
VIEW ALL >Managing Your BNPL Fees, Missed Payments, and Credit Record
Understand the BNPL fees, credit reporting, and what to do if you miss a payment.
Getting Your CCRIS Report From Bank Negara Malaysia
How to get your CCRIS report for free through eCCRIS, AKPK, or eLINK
How To Read Your CCRIS Report
Learn how to read your CCRIS report, from credit accounts to repayment history
What You Should Know Before Using Buy Now, Pay Later
Thinking of using BNPL? Check the costs, fees and repayments first.
How To Escalate A Complaint Against Your Bank
How to write a bank complaint letter and escalate it if the bank doesn't reply
Before You Ask For A Salary Advance
Understand salary advance limits, repayment and what your employer can deduct.
Standing Instruction Or Direct Debit For Rent, TNB, And Insurance
Avoid missed payments, unexpected charges and bill payment mistakes.