Credit & Loans Guides

Credit cards, personal loans, CCRIS/CTOS reports, and debt management. How to borrow wisely, build credit, and compare the best products in Malaysia.

9 guides in this category

AKPK Debt Management Programme (DMP) — Complete Guide for Malaysians

How AKPK's free debt counselling and DMP works in Malaysia. Eligibility, application process, what happens to your CCRIS record, and real alternatives.

Best Personal Loans in Malaysia (2026) — Rates, Eligibility, and How to Compare

Compare personal loan rates from Maybank, CIMB, RHB, Hong Leong, BSN, and MBSB. Flat vs effective rates, eligibility, and tips.

How to Check Your CCRIS Report for Free (Step-by-Step Guide)

Check your CCRIS report online via ecredit.bnm.gov.my or in person at BNM offices. Free, no fees. Full step-by-step with report reading guide.

How to Check Your CTOS Report for Free in Malaysia (2026)

Step-by-step guide to checking your CTOS report for free via MyCTOS, what the free vs paid report shows, and how to dispute errors on your credit file.

How to Improve Your Credit Score in Malaysia (Practical Steps)

Actionable steps to raise your CTOS score and clean up your CCRIS report in Malaysia. Payment history, credit utilisation, dispute process, and timeline.

Personal Loan vs Credit Card in Malaysia — Which Costs Less?

A cost comparison of personal loans and credit cards in Malaysia. Effective interest rates, the minimum payment trap, and when to use a personal loan to clear credit card debt.

Best Cashback Credit Cards in Malaysia 2026 — Compared

Malaysia's top cashback credit cards ranked by real rates, caps, and conditions. Maybank, RHB, CIMB, UOB, StanChart — which card fits your spending?

Best Rewards Credit Cards Malaysia 2026 — Points, Miles & Perks

Malaysia's top rewards credit cards for points, air miles, and perks. Maybank, CIMB, Amex — real earn rates and redemption values.

CTOS & CCRIS Explained — How Malaysia's Credit System Works

The difference between CTOS and CCRIS, how to check both for free, and exactly what you can do to improve your credit score in Malaysia.

Related tools

BNM rate changes affect loan pricing directly.

Stay informed

Malaysian money news that matters — rates, tools, and guides. Weekly, no spam.