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Plain-English articles on personal finance, CCRIS/CTOS, and avoiding Ah Long — written by the MyTrustCredit team.
- 14 Feb 20269 min read
Understanding personal loans in Malaysia: the 2026 plain-English guide
Everything a first-time borrower in KL, Selangor, or outstation needs: how rates work, what banks check, BNM's DSR rule, and how to calculate the real cost before signing.
#personal-loan#guide#bnm#ccris - 28 Feb 20268 min read
CTOS vs CCRIS explained: which credit report matters for your Malaysian loan
Two different systems, both used by Malaysian lenders. Here is what each tracks, how to check yours for free, and how long it takes to fix a weak score.
#credit#ctos#ccris#guide - 08 Mar 20269 min read
How to avoid Ah Long scams in Malaysia: the 2026 red-flag checklist
Illegal moneylenders are migrating from pamphlets to WhatsApp and Telegram. Here are the seven red flags, the verification steps, and what to do if you have already been caught.
#safety#ah-long#scam#guide - 20 Mar 20268 min read
Small loan vs credit card in Malaysia: which is actually cheaper?
A worked example on a RM 5,000 spend over 12 months, plus a decision guide for weddings, home repairs, and medical emergencies.
#personal-loan#credit-card#budgeting#guide - 02 Apr 20268 min read
Emergency fund guide for Malaysian workers: how much, where, and how to build it
3 to 6 months of expenses, parked in the right vehicle, is the single best financial decision you will make. A realistic plan for B40 and M40 incomes.
#savings#emergency-fund#budgeting#guide - 12 Apr 20268 min read
Raya budgeting tips: avoid the post-festival loan trap
Duit raya, balik kampung, baju raya, open house. A realistic Malaysian Raya budget framework, side-hustle ideas, and what to do if you are already over.
#budgeting#seasonal#raya#guide