How Well Do You Know Your Credit?

1. How much are you earning now (per month)?

RM2,400 - RM4,999

RM5,000 - RM7,999

RM8,000 - RM9,999

RM10,000 & above

4. How many percent of your income goes to the repayment of these credit facilities a month?

8. What are your top financial concerns?

Not having enough money for retirement

Not making money or losing money in investment

Rising cost of living

Not been able to meet credit card's minimum payment

Not been able to pay off debt like mortgage, car loan, etc.

Not making enough money to support my lifestyle.

Not financially prepared to pay child's university education

Others

9. What are your short-term financial goals?

10. What are your long-term goals?

To save enough to migrate to another country

To save enough for a comfortable retirement

To save enough for my children's college fund

To be able to afford my expected lifestyle

To be able to afford good insurance that covers future health expenses

Others

11. Where do you go to check your credit report?

CTOS

MyEG

Pos Malaysia

I don't check it.

12. Do you know your credit report impacts your loan application?

Yes

I don't know

13. Which of the following DOES NOT affect your credit score?

Defaulting on your home loan

Not having any loan or credit card at all.

Marrying someone with a low/bad credit score.

Using 100% of your credit card limit.

Not paying your loan or credit card payment promptly.

14. Which of the following DOES NOT improve your credit score?

Cancel all your credit cards and loans.

Pay your bills on time for 12 consecutive months.

Apply for new accounts only as needed.

Avoid over shopping (applying too many banks) for a credit facility.

Lower your outstanding credit on your available credit, such as credit card or overdraft.

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