RinggitPlus Guides
Smart tips and handy tools to help you choose the right financial products
Credit Card Guides
How Many Credit Cards Should You Have?
BNM's card limit rules, credit reporting impact, and what extra cards cost
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
What To Do If Your Credit Card Is Used For Fraud
Learn how to dispute unauthorised charges and what happens when you report them
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
Personal Loan Guides
Personal Loan Guide
Let us be your guide to your perfect loan match
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
Credit Scores: What They Are and Why They Matter
Understand how credit scores work and how to build or repair yours
Understand Personal Loans
How to decide if a personal loan fits your financial situation or if there’s a better option
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
Before You Ask For A Salary Advance
Understand salary advance limits, repayment and what your employer can deduct
What To Check Before You Sign A Car Loan
Understand the costs, repayment terms and risks that come with car financing
Personal Finance Guides
PTPTN Loan: Eligibility, How to Apply, and Repayment
Complete overview of PTPTN loan from requirements and application to repayment rules
Scholarships and Other Ways To Fund Your Child’s Education
Find education funding options besides a PTPTN loan, and how to decide between them
Managing Your BNPL Fees, Missed Payments and Credit Record
Understand the BNPL fees, credit reporting, and what to do if you miss a payment
Which Malaysian State Is The Cheapest To Live In?
Compare Malaysia’s cheapest states by household size using DOSM’s PAKW index
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
Security and Privacy Guides
What Happens To Your Data When You Apply For A Credit Card Or Loan Online
How BNM and PDPA protect your data, who can see it, and what to do if something goes wrong
How Banks Protect You From Online Scams
How Malaysian banks detect fraud, lock down accounts and compensate victims
How To Spot Job Scams And Pyramid Schemes
How to spot fake job offers, money mule scams, and pyramid schemes
Insurance Guides
Insurance Basics For Malaysians
A beginner's guide to Malaysian insurance types, rules, and application steps
How To Choose Between Term Life, Whole Life, And ILP Insurance
Compare coverage, costs, and trade-offs across the three main life insurance types
How Education Insurance Works And When To Choose It Over SSPN
How education insurance works, what they cost, and when SSPN may suit you better
How To Read Your Medical Card Before You Need It
Understand your medical card, what you pay for treatment and how claims work
What Is An Investment-Linked Plan?
How investment-linked plans work, their costs and whether they're right for you
How To Make Sure Your Life Insurance Pays Out To The Right People
Learn how life insurance nominations work and who receives your policy payout
Why Life Insurance Claims Get Rejected And How To Prevent It
Learn why life insurance claims get rejected and how to avoid common mistakes
Retirement Savings Guides
Find Out How Much You Need To Retire With This Calculator
Check if your EPF savings are on track for Basic, Adequate or Enhanced levels
Historical EPF Dividend Rates
Check EPF dividend rates 2013 to 2025 (Simpanan Konvensional and Simpanan Shariah)
How Your EPF Savings Work
Find out where your EPF contributions go and how your savings grow over time
How To Check And Download Your EPF Statement Online
Register for KWSP i-Akaun, log in, and download your EPF statement online