Cheap October Travel Destinations for Every Traveler Type

Planning to clear your annual leaves but not sure if there’s anywhere worth heading for the coming wet months? Fret not as we have identified 4 unique and cheap travel destinations in Malaysia that you can go to in October (and year-end) – guaranteed to appeal to every traveler type out there!

Affordability Guide

$$$ – (RM250 or less)

$$ -(RM150 or less)

$ – (RM80 or less)

The Street Art Aficionados

If you are a fan of street arts like the narrow, hidden alleys of Rio Janerio…

Be prepared to be enthralled by the vibrant, mural-filled walls of
 Malacca Town

. There are plenty of artsy nooks and crannies waiting to be explored. But, if we must choose a favorite, we think Kenji Chai’s (best known for his eye-catching
 cockerel masterpiece

at Jalan Pudu’s Nandos)
Tea Bird

makes the most interesting visit.

Affordability Rating:
 $

Fees:
 No payment needed, but feel free to buy a souvenir from the local vendor to show your support.

Things you need to look out for:
 Pickpockets and petty theft are common occurrences especially during peak travel periods, such as the weekends and school holidays. To prevent this from happening, stay vigilant and don’t leave your belongings unattended.

The Outdoor Activity Junkies

For those who are in pursuit of adrenaline-pumping activities like white-water rafting in Alaska…

A trip to
Gopeng
 – a small, historically-significant town situated in Perak is a must on your travel itinerary. Other popular attractions that are recommended in that area include
 waterfall abseiling, paintball, and flying fox

. Not a fan of long winding rivers or fast-paced activities? No worries, you can opt to go spelunking instead at Gua Tempurung, one of the longest caves in Peninsular Malaysia for your dose of adventure!

Affordability Rating:
 $$$

Fees
: White Water Rafting packages start from RM155.00 for 3 hours.

Photo courtesy of Tiki
 Touring Kiwi

Things you need to look out for:
 Keep your wallet and valuables to a minimum when you carry out these activities as not all venues will have lockers for you to store your personal items.

If you must bring your valuables (such as expensive cameras, laptop, jewelries) along, be sure to take extra precaution and safety measures to protect them – such as carrying them in waterproof bags and use the safety clips so they won’t fall off you.

The Nocturnal Wonder Lovers

For those who had the luck to watch thousands of fireflies light up at Great Smoky Mountains in Elkmont, it was best described as a magical, extraordinary encounter.

Photo Credit : Tsuneaki Hiramatsu

Thanks to our nature conservation initiatives, we too are blessed with the opportunity to watch these beautiful fireflies in action. Accessible via the North-South Expressway,
Kota Tinggi’s Firefly Valley Leisure Park
 offers night-time walks and cruises for those who wish to catch a glimpse of the fireflies in their natural habitat. Aside from firefly watching, there’s a restaurant, mini zoo as well as camping tents for rental available at the park.

Affordability Rating:
 $

Fees:
 You can go for firefly watching at only RM10 per adult and RM7 per person for kids. If you prefer something more romantic, take a boat to watch the fireflies at RM18 per adult and RM12 per child.

Things to look out for:
 For the best firefly watching experience, visit the park on days with minimal moonlight. Don’t forget to bring insect repellents to prevent mosquito attacks! Also, note that outside drinks and food are not allowed in the park.

The Salty Sojourners

Impressive, scenic salt flats of Bolivia may seem out of reach for us…or is it?

What most people may not realise is that we have our very own Salar de Uyuni in Malaysia and it is accessible via Pekan Sasaran, Jeram, a small sleepy fishing village in Kuala Selangor. Also known as
Sky Mirror
, the Sasaran beach salt flat/lake is a unique tourist attraction that has recently gained recognition. Thanks to various social media platforms who had made the destination viral, it is now a trendy holiday destination in Malaysia.

Affordability Rating:
 $$

Fees:
 At the time of writing, there is only one travel operator – the
Sky Mirror Tour

– that offers boating tours to Sasaran beach. The fees start from RM80 per person for adults (with MyKad, RM100 for non-MyKad holders) and RM60 per person for children between 3 to 12 years old (with MyKid / RM80 for non-MyKid holders)

Things to look out for:
 Make every photo count! Visitors are encouraged to wear colourful clothes and bring decorative props for best effects. As there is no dry place for your belongings, you may need to take waterproof bags along to protect your belongings. Note that the Sasaran beach tours are only available on the 1st and 15th of lunar month, and 4 days before and after the dates, where the sea level are low.

We hope that you have found our list of travel destinations useful for your holiday planning. If you are worried that you don’t have enough money set aside to visit these awesome locations, it’s time to start saving! Start by heading over to
Agoda
 and book hotels with great deals to help you save up when you travel! To get all the benefits of the best saving accounts in Malaysia, just use our
 comparison tool

and choose the best savings accounts to help you get more from your money! Want to get more out of your travels? Here’s an easier and faster way to do so : participate in our
Travel Getaway campaign
!

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5 Financial Lessons to Teach Your Children Before They Turn 12

To Be Young and In Debt

It’s a future no parent envisions for their children but an article by the
Malay Mail
 in 2016 claimed that an estimated 11 people under the age of 35 go bankrupt every day.

In addition, a whopping
1,157
 people under the age of 25 have been declared bankrupt between 2012 and 2016. That’s certainly reason enough to start educating your kids about money as early as possible.

Here are important financial lessons you can teach your kids, especially the younger ones:

1. Where Money Comes From (from the age of 5)

We’ll venture so far as to say this question is going to be much easier to answer than “where do babies come from?”. But in all seriousness, you don’t have to get into the technical definitions, instead focus your explanations on money being earned. The basis for this lesson is to teach your little ones the value of money.

This is a good time to introduce allowances for little chores done around this house. This will help them equate work with money and prepare them for the next lesson: saving.

2. How To Save (from the age of 7)

A 2013
study
 made a positive connection between
financial literacy
 and saving, planning for retirement and making informed financial decisions. Thus, learning to save is probably one of the most valuable lessons to impart on your kids.

Saving carries with it other virtues and teachable moments such as patience and responsibility. An effective way to teach about the importance of saving is to empower your kids to get started on personal financial goals. It can be as simple as buying a new toy or game with their own money, once they’ve saved up enough.

This way you’ll be encouraging them to see the importance in putting money away as well as giving them a glimpse of financial independence.

Read Also:

Money Lessons Hidden in Classic Children’s Games

3. Spending Responsibility (from the age of 9)

Children are not often in a position to overspend, not just since they do not have access to credit but also because, it will be you the parent who does the spending. Thus, if you aren’t mindful of your spending habits, it’s possible for your child to pick up on it as well.

A good way to teach responsible spending is to give your offspring some control over their purchases. For instance, allow your kids to spend a portion of their birthday or festive money on his or her food expenses for a day. From here, your child can learn to set money aside for each meal and spend within their means.

4. What is Budgeting (from the age of 10)

Once your kids have an allowance or access to money, they can start learning about budgeting and managing the funds in their possession. It’s a necessary life skill that should be cultivated from a young age so that your child, no matter their future earning potential will always know how to maximise their income.

This lesson really builds on the basics of saving and spending – and takes it a step further by teaching them how to manage money and prioritising more important goals.

Give your kids the opportunity to budget with you on little tasks such as helping you with grocery costs for the week and planning monthly savings as well as small family outings. Encourage them to start their own budget to balance personal expenses such as toys and games with savings goals.

5. How to Be a Clever Consumer (from the age of 11)

Once the foundations of financial literacy has been laid (in the first four lessons), what should follow is the ability to discern between good and bad deals. Teach your children to compare between products and services before making a purchase. Shopping around for affordable prices that still offer good quality will help your kids make better money decisions in all areas of life as they mature.

A good way to teach them how to be a better consumer is by involving them in your shopping process – how you choose groceries, buy a computer or what you look for when shopping for clothes. Teach them to compare in terms of price and quality rather than just choosing by brand.

Learning how to be a smart shopper is a long-term process. Continue teaching them about more complicated purchases as they get older – for instance, how to use comparison sites
when buying insurance
.

But the best thing you can do right now is to start your kids off with a savings account for a better financial future. Choose a junior account with extra special benefits like bonus interest earnings, free insurance and more from our
comparison page
!

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Desiree Nair

Desiree Nair

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iPad Pro 11”, RM500 Cash or Xiaomi POCO M3 — What Are You Unboxing This Week?

It’s that time of the week again — The Unbox This Week credit card campaign is here with exciting gifts to make your heart flutter.

For those who are new, Unbox This Week is a campaign where we present to you fantastic weekly flash deals from our featured bank partners. All you need to do is apply for selected credit cards from these banks of the week through RinggitPlus and you’ll take home some great prizes.

This week (31 May – 8 June) the featured banks are
Citibank
,
Standard Chartered Bank
, and
HSBC Bank
 —
if you’ve considered applying for a credit card with any of these banks, check out the rewards they’re offering below.

Citibank: iPad 11” with Apple M1 Chip

Stand a chance to win an Apple iPad 11” — now upgraded with the powerful M1 chip — when you apply for selected cards from Citibank through us! The tablet will be gifted to 30 randomly chosen successful applicants who submit their application from 31 May – 8 June. Remember to also activate and spend a minimum of 8 retail transactions on your new card within 60 days upon gaining approval.

For all the other applicants who do not win the iPad 11”, no need to be disappointed because you get to walk away with something cool too! We’re gifting you a set of Redmi Airdots Earbuds and Haylou LS02 Smartwatch.

Once the bank has confirmed your eligibility with us, you’ll receive instructions from us via email on how you can claim your gift.

Take note, though, that current cardmembers and individuals who have cancelled their Citibank credit cards within a year prior to this campaign do not qualify for this promotion. Otherwise, those who wish to apply for their new Citi credit cards can
head on over here to do so.

Standard Chartered: RM500 Cash via DuitNow

Tick-tock, it’s cash o’clock when you apply and get approved for a Standard Chartered Credit Card. This week, Standard Chartered is giving away a
guaranteed gift of RM500 cash via DuitNow
 to ALL approved applicants.

Now, everyone’s a winner when you apply for selected Standard Chartered Credit Cards. Just remember, you will need to activate your card within 30 days upon approval to be eligible for this prize.

Lastly, be aware that existing cardholders and individuals who have held a Standard Chartered credit card in the past six months are not eligible for this campaign. If you qualify, then you can
apply for your new Standard Chartered credit card here
.

HSBC: Xiaomi POCO M3

Rounding up our trio of featured banks is HSBC with a guaranteed gift for all successful applicants too — this time it’s a Xiaomi POCO M3 smartphone.

With a stunning 48mp AI triple camera and large 1080P FHD+ display, the POCO M3 offers crystal clear clarity whether you’re watching your favourite shows or taking cute photos of your pet while at home.

Don’t forget to activate and spend a minimum of RM1,000 on your new card within 60 days upon gaining approval.

That said, do note that current cardholders and applicants who were denied within six months prior to this campaign, as well as those who have cancelled their HSBC credit cards within three months prior to this campaign are not eligible for our campaign. Otherwise, you can apply for your
HSBC credit card here
.

***

Finally, just as a reminder, be sure to start your application with our WhatsApp chatbot so that your eligibility is guaranteed, and so that we can always be at hand to help you if you need us.

While this week’s flash deal ends on 8 June (1pm), you can also follow us on our
Facebook page
 to receive the latest Unbox This Week offers as we refresh the deals every week.

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Sasha Belani

Sasha Belani

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E-Wallet Basics: What All Malaysians Should Know

E-wallets have been sprouting thick and fast in Malaysia over the last of couple of years and with over 40 e-wallet licenses issued by Bank Negara Malaysia so far, it doesn’t look like they’re set to slow down any time soon. The country’s central bank aims for Malaysia to be
a cashless nation by 2020
, with mobile-based payments being a core to the blueprint.

As
e-wallets
 become more widely accepted at retail stores, F&B outlets, supermarkets, and even small vendors throughout the country, it seems like these mobile wallets will become a central part of the nation’s payments landscape. So, if you haven’t yet begun using e-wallets, or still have doubts about them, here’s a primer to get you up to speed.

What is an e-wallet?

An e-wallet acts like how a normal wallet does – except that the money is digital and the e-wallet exists as an app in your phone. Like with a normal wallet, you need to put funds into your e-wallet – and most apps allow you to do so using credit cards, debit cards, or online bank transfers. Once you have money in your e-wallet, you can use it to pay at merchants by a variety of ways including scanning a QR code, “tap and pay” with the phone’s NFC function, or for some e-wallets, through its accompanying physical card. Most e-wallets also let you instantly transfer money to friends who use the e-wallet directly within the app.

How many e-wallets are there in Malaysia?

While you’ve definitely heard of the more popular e-wallets like GrabPay, Boost, and Touch ’n Go eWallet, did you know that there are currently a total of 46 official e-money issuers regulated by Bank Negara Malaysia? Of these 46 e-wallet issuers, only 5 of them are banks – the rest are all non-bank organisations. If you’re surprised at how many e-wallets there are on the market right now, remember that these days there’s an e-wallet for almost everything – for example, even
1 Utama Shopping Centre has its own e-wallet
, which can only be used at participating outlets within the mall.

What are the benefits of using an e-wallet?

E-wallets have a lot of advantages to offer its users. Firstly, digitalising money offers several inherent benefits: it’s more secure, convenient, and speeds up transactions compared to physical cash.

Digital transactions are more reliable to be tracked, which reduces potential instances of fraud. Plus, all e-wallets require some form of verification before payment, which means even if someone steals your phone, they can’t steal the money in your e-wallet apps.

In addition, with so many e-wallets in the country, each one offers some perks to encourage usage of their e-wallet. This may come in the form of instant cashback, rewards points, and even daily or weekly challenges that yield more rewards when completed.

Let’s also not forget that some e-wallets let you reload using your credit cards, allowing you to enjoy double the benefits – just be sure to use the right credit cards.

Is using an e-wallet better than using a credit card?

If you don’t use credit cards because you lack confidence in your ability to stay out of debt, an e-wallet is a good cashless payment alternative. You would be more likely to enjoy some sort of benefit from using your e-wallet compared to using a debit card or paying in cash, and you won’t be in danger of spending money that you don’t currently have as long as you top up using a debit card or bank transfer.

However, if you already have a credit card and are comfortable using it, you should be able to get the best of both worlds – enjoy the benefits of using your credit card to top up your e-wallet (such as cashback on online transactions) as well as the promotions the e-wallet has to offer.

How do you choose which e-wallet to use?

There are a number of questions you can ask yourself before you decide on which e-wallet to download. As different e-wallets have varying penetration rates when it comes to where they’re available, find out which e-wallet is more commonly accepted at the places where you tend to make payments. Some e-wallets also have their own specific strengths – for example, if you are looking for an e-wallet that you can use overseas, then BigPay is a solid option.

Of course, each e-wallet has its own set of promotions and benefits that they offer to their respective users, so you should do some research to see which e-wallet can ultimately help you save the most money in the long run. Not to forget, you’re not restricted to using any single e-wallet – so pick and choose the ones that offer the best benefits for you.

Which is the best e-wallet in Malaysia?

In our e-wallet reviews, we cover all the benefits, advantages, and also the drawbacks of the most popular e-wallets dominating the market in Malaysia. All the same, there is no definitive answer as to which is the best e-wallet in the country as it is still early days for the industry – time will tell as only the best e-wallets can survive for the long run. Like credit cards, most e-wallets offer a similar set of benefits with additional perks on top, which means you should tailor your e-wallet usage according to your needs.

Most of the time, owning and actively using several e-wallets is the best option. That way, you can take advantage of the different promotions each e-wallet has to offer and get to choose which is the better e-wallet to use for different transactions. Of course, this strategy will only be successful if you have the financial discipline and are willing to keep track of your spending across the multiple apps.

*****

Hopefully, this will answer some of your questions about e-wallets – giving you a better understanding of this rising trend in Malaysia’s current payment landscape. If you would like to find out more about specific e-wallets on the market and what benefits they have to offer, then be sure to read our reviews on the main e-wallets in Malaysia.

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Jacie Tan

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    Dana Tay

    3 years ago

i use prepaid maxis for my handphone, meaning, i do not have data in my phone. Can i use e wallet for my transactions?

8

Reply

    Mohd sabri Abd kadir

    2 years ago

Hi.can I now.after I open e wallet.i must put money first or what.

0

Reply

    Vincent

    2 years ago

Ewallet soon may enable to transfer money via duitnow, meaning ewallet basically like a saving account sooner or later. When that time comes, CC top up feature to ewallet might be shutdown.

I won’t hesitate to revert back using Cash or Credit Card when that time does comes.

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    Kim Kah Hwi

    7 months ago

Boast now like to cheat customer by accidentally shake reward on voucher purchase, I was accidentally for to purchase voucher Zalora that I bought rm250 due to poor vision for aging. I bought 4 months ago and donty expected expired so soon so I can not use without been lost due inactivation. Purchase voucher should not given a time frame or expired data in 4 months as sometime we can not decided what to buy & how to use! After appeal for re actication but answer received was very dissapointed & sad. I hope u can advise me how to
…
Read more »

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How Did Lazada, Shopee, & 11street Perform On 11.11 Singles Day 2018?

The recent 11.11 event this year turned out to be the largest yet, with a significant shift in consumer behaviour and a constant increasing number of Malaysians embracing online shopping as a new way of life. 11.11 was first introduced by Alibaba Group Holding Ltd 10 years ago and is currently the biggest online mega sale in the world. Below are details of how much Malaysians spent on this year’s 11.11 mega sale across Malaysian e-commerce platforms.

Lazada

Lazada started off strong in this year’s 11.11, hitting an average of over 3,000 transactions per minute and 1.2 million orders within the first hour into 11.11 2018. It comfortably surged past its sales record in 2017, surging past that figure in the first 9 hours of this year’s sale. Malaysian shoppers made full use of more than 50 million deals available on the platform, stocking up on essentials and splurging on gadgets.

Among the top products were Milo, where Malaysians bought an incredible 27,000 tonnes, and diapers, which saw an astonishing 4.5 million of them ordered. Xiaomi smartphones proved a popular choice among Malaysians too, with 13,000 units ordered on 11.11 2018. During the busiest period of Lazada’s 11.11 event, almost 9,000 orders were shipped from Lazada’s warehouses, with the first 11.11 order being delivered at 10.35am on 11.11 itself.

Shopee

Shopee performed extremely well during this year’s Singles’ Day, achieving a total of 11 million orders across the region. At its peak, a total of 58,000 items were sold in a single minute using the Shopee app and website. Its in-app game, Shopee Shake, where players earn Shopee coins that can be used to purchase items, was played 4 million times on 11.11.

Locally, Shopee Malaysia saw its top sellers and brands collectively achieving total sales of about 716 times higher than an average day, and an average of 750% increase in traffic. Like Lazada, the top items sold during the Shopee 11.11 sale were Milo and diapers, where shoppers undoubtedly took advantage of the big discounts to stock up on these essentials.

11street

The third major online shopping platform in Malaysia, 11street, didn’t do too badly either. For 11.11 2018, 11street saw a spike in orders – 3 times that of the daily average in 2018. With an average order value of RM300, 11street’s 11.11 total gross merchandise value spiked 6 times compared to a normal day in 2018.

Interestingly, one of the top selling categories in 11street during the 11.11 sales was Health & Beauty, in addition to Mobile & IT, Electronics, and Baby, Kids & Toys. Besides the usual Milo, gadgets, and e-vouchers, 11street’s top-selling products for 11.11 this year also included items like Brand’s Essence of Chicken and Eu Yan Sang’s Gold Label Bak Foong pills.

Shopback

It may not be an e-commerce platform, but cashback site ShopBack Malaysia definitely had an eventful 11.11 this year. It witnessed an immense traffic boost online with at least 10 times app and website visits on 11.11 2018 compared to normal days. With the major e-commerce platforms offering a large variety of deals, savvy Malaysians used Shopback as a means to save even more money on 11.11. In all, Shopback helped Malaysian shoppers save up to RM400,000 worth of cashback this year, which is 2.3 times higher than last year’s 11.11 sale. The highest amount of cashback saved by a shopper on 11.11 2018 was a hefty amount of RM4,263.

Record-breaking day marred by payment issues

11.11 2018 was a record-breaking one for the three biggest e-commerce platforms, indicating a greater shift in consumer spending behaviour. There was also a larger amount of orders made on mobile apps compared to previous years, as Malaysians fully embrace the age of online shopping. However, this year’s sale also saw
a slew of payment-related issues
 affecting all three platforms. While the surge in traffic undoubtedly affected the experience of navigating the sites, this year’s sale saw the payment gateway portals struggling to cope, resulting in many orders being unpaid throughout 11.11, and eventually being cancelled 48-72 hours later (depending on the platform, customers have a small window of time to pay for any order made).

(Sources:
Focus Malaysia
,
Lowyat
,
KL Gadget Guy
)

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Top 5 Signs You Are A Victim of Identity Theft

Imagine this: it’s the weekends and you decide to go through your mails. Everything seems to be normal, until you see a statement for a
personal loan
 that
you’ve never applied
 for. Your stomach drops, panic sets in; what do you do now?

If you ever find yourself in this situation, there’s a high chance that you’ve just been a victim of
identity theft
. But, how do you know that for sure and what are the tell-tale signs that you should look out for?

And if you are a victim of identity theft, how and who do you need to report it to? We at RinggitPlus are here to break it down for you.

What is Identity Theft?

In simple terms, identity theft is an act of crime in which a fraudster
steals your sensitive personal information
 such as your NRIC details, passport details, credit card or banking details.

Once they have gotten their hands on your personal details, they can use it to
apply for loans
 and
credit cards under your name
, make
unauthorised purchases
 under your name, and even
sell your information
 or documents to other companies or illegal immigrants. All these can no doubt ruin your credit history – not to mention your reputation – which can take a long time to fix after the damage is done.

How Can Someone Steal My Personal Details?

What’s scary is that there are many ways for identity thieves to go about stealing your personal details. They could obtain your personal details by going through your mails and carelessly discarded trash that may contain your details – such as
old credit card statements
 and bills.

Identity thieves can also hack into your
unsecured online accounts
 and websites (think social media accounts, email accounts, and online subscriptions) to get to your personal details. Even worse, some fraudsters and identity thieves steal your credit card details while you’re busy shopping – be it online or at physical retail stores.

Why Should I Care If My Personal Details Are Stolen?

Having your personal details compromised by identity thieves can have a big impact on your life, and could potentially throw you into
financial ruin
 if you don’t take the proper measures to guard against it – or even report it in time.

This could result in debts and a
damaged credit history
 and/or score. Your
credit score
 is not something that you would want to take lightly as it could be the difference between having your loan or credit card application approved. Imagine not being able to apply for any
bank loan
, credit card, or other financial products at all – doesn’t paint a very good picture for your future, does it?

Check out our article on how you can
Boost Your Credit Score Right Before You Apply for Loans!

That’s Terrifying. How Do I Know if I Am a Victim of Identity Theft?

It’s always good to keep yourself informed on the latest news as well as staying alert when performing your daily activities. Here are some red flags that might indicate the possibilities of you being a victim of identity theft as well as some tips on what you can do if it happens to you.

1. Unauthorised charges and withdrawals from your credit card/bank account

This is a dead giveaway of an identity theft case, as no one else would have access to your bank account (unless you have a joint account). Always check your credit card and banking statements via
online banking
 or monthly physical statements and flag any unauthorised charges or withdrawals.

What you should do:
 Alert your bank immediately if you spot an unauthorised transaction under your credit card or banking account. It helps to also file a police report as a supporting document along with a completed
dispute form
 (you can normally download this form from your bank’s website).

In addition to that, you should lodge a report at
Bank Negara
 through the following channels:

Call:
 1-300-88-5465 (1-300-88-LINK)

Fax:
 03-2174 1515

SMS to 15888:
 BNM TANYA [your report/query]

Email:

[email protected]

2. Your bills and mails are missing

If your mail hasn’t been consistent as of late, do consider the fact that someone might be going through your postbox for malicious purposes.

What should you do:
 Check your mail consistently and remember to update your bank of any change of address. The same concept applies if you are using a workplace or student email for your financial statements. Contrary to popular belief, not all email accounts are deactivated when you delete them.

3. Your social media account has been flagged for unusual activity

If your account is accessed from a location that is different from your usual haunts, it’s time to change your passwords as someone may have hacked into your account. For hackers, social media is a goldmine for
confidential information
. Once they’ve hacked into any one of your online accounts, they can use it to trick your friends into giving out details about you – which they can use for situations like credit card verification and more.

What should you do:

Change your passwords regularly
 and update your security questions every so often, especially if any of it involves your personal details. If you believe you’re a victim of identity theft, notify the social media support team immediately so that they can take the necessary actions.

4. Your loan and card applications keep getting declined

If you are facing difficulties in getting a credit card or loan application approved, maybe it’s time to check your
credit report
 and see if there have been any discrepancies concerning your personal details. The usual signs of identity theft would include a credit inquiry from an unknown source or a new account.

What you should do:

Check your credit report
 and credit score regularly so that you will always stay updated on your financial health. If you find that any of the information on your credit report is inaccurate, notify your credit reporting agency immediately and they’ll investigate the matter for you.

5. You receive calls from debt collectors about debts that you don’t know of

If you start to receive calls from debt collectors but have never missed a payment in your life, there’s a huge chance that identity thieves have misappropriated your personal details and applied for loans or credit cards under your name without your knowledge.

What should you do:
 File a police report to protect your assets. Then, contact Bank Negara in order to safeguard yourself from further
unauthorised transactions
 conducted under your identity.

What Else Should I Do to Protect My Personal Details?

Now that we have listed down the things that you will need to look out for to see if you are a victim of identity theft, here are some of the preventive measures you should know to help protect yourself against identity thieves:

•
Secure your wireless network
 connection

• Use an
anti-virus/malware
 protection software

•
Stay vigilant
 on websites that are prone to phishing

• Monitor your credit profile via
credit reports

• Only shop at safe and
secured websites

• Be wary when sharing
personal information online

• Ensure that your
bills and statements
 arrive in a consistent manner

• Always check your statements for any
unusual transactions

•
Dispose of your documents
 carefully (shred or tear them to small pieces before throwing)

We hope that these tips can help you to stay safe and protected from potential identity thieves – especially with the ongoing
online sales
 happening this quarter.

I Think Someone is Using My Identity. What Should I Do?

Get the feeling that someone is stealing your identity for unscrupulous use? You would need get a copy of your credit report to see if there are any irregularities in it. This is where the
MyCTOS Score Report
 comes in handy.

The MyCTOS Score Report is a comprehensive
credit report
 that provides an
evaluation of a consumer’s creditworthiness
. It also contains details about your identity verification (in case of an identity theft), CCRIS records, business exposure, directorships, bankruptcy, court judgment and legal action records.

Apart from that, you can also find out your
CTOS Score
 – a three-digit credit score that ranges from 300 (poor) to 850 (excellent). Your CTOS Score is used by banks and lenders to determine your creditworthiness and level of credit risk. Learn more about the
MyCTOS Score Report
 by clicking the button below!

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More Solo Travel Tips That You Must Know Before Travelling Anywhere

Venturing to a foreign country on your own for the very first time can be daunting. Here are more these travel tips that you must know to get the best of your solo journey.

 1. Prepare A Medical Alert Bracelet

Contrary to popular belief, medical alert bracelets are not only for people with chronic medical ailments or specific food allergies. Imagine if you are caught in a life-or-death situation in a foreign land and you happen to be unconscious at that time.

The bracelet will provide your rescuers an insight into your medical history which will be very useful in diagnosing your ailments and administrating your treatment. A regular plastic bracelet with your medical information printed and laminated on it would be good enough. The details should include the basics such as your name, blood type, medical ailments and medication that you are allergic to.

 2. Pack A Water Bottle

Not only do you get to save the environment, you can also save cold hard cash by doing so. You can fill your bottle with drinking water from water dispensers or in some countries, tap water is good enough for oral consumption. For instance, let’s say you are traveling to Japan and you decided to drop by the convenience store to grab a drink. A 500 ml bottle of mineral water, priced at 150
yen
, is RM5.60 after conversion compared to a bottle filled with tap water which costs you zero Ringgit.

 3. Install a Language Translation Application

Have you ever been in a situation that requires you to communicate with someone with nothing but hand gestures and facial expressions while praying deep inside that they are able to fathom what it is that you are trying to convey? If that sounds familiar to you, then you will need a language translation app.

Apps like
Google Translate
 and
Microsoft Translator
 voice come with cool features such as speech-to-speech translation, handwriting translation and even image translation which is definitely handy when you need to place an order in an eating establishment that doesn’t come with an illustrated menu.

Read Also :
Ways to Stretch Your Ringgit When Travelling Solo

 4. Carry A Dummy Wallet

As much as we dislike thinking of the worst-case scenarios, stories of people getting robbed at knifepoint as they travel alone in a foreign land do happen. Be proactive and prepare a fake wallet that you can use to fend off potential muggers. To make your fake wallet a lot more convincing, you can include things like receipts, loose change, an old membership card that’s not in use anymore or photos of family members.

 5. Scan/Take Photos of Your Personal Identification Documents and Cards

As much as we like to think that we are careful and conscientious people when it comes to traveling, unfortunate situations (like misplacing your passport as you rush to catch your commuting flight!) are a lot more common than we give credit for.

Thus, you may want to take photos of your passport, identification card, credit card and ATM card and store it somewhere that only you have access to like a cloud storage service (
DropBox
,
Google Drive
,
 SkyDrive
, etc) or use a basic file management application that allows you to hide documents from prying eyes.

Having a digital photograph/scan of your passport and other important travel documents will help greatly when you are lodging a report to replace the missing documents that you do not possess.

 6. Know Which Number to Contact in Cases of Emergency

With no access to the internet and nobody understanding the language that you speak, the only way for you to get help in cases of emergency is to look for the nearest police station. But what if there isn’t one nearby, or you don’t know how to find one?

Having an address book or small business card containing all the numbers (and people) that you can contact the situation of an emergency will help immensely. Ensure that you have the number of your embassy and consulate of the country that you’re planning to visit, as well as other numbers such as the bank that you have applied for your debit/credit card with.

 7. Keep Travel Insurance in Mind

Sure, personal and medical insurance can cover for you in instances such as medical ailments that require hospitalisation and such. But, it doesn’t cover situations like lost baggage, trip cancellations/delays, medical emergencies and rental car damage, which is just the tip of the iceberg of things that are covered under travel insurance.

If cost is a concern, no worries as you can always look and compare the
 best travel insurance policy
 that caters to your budget and needs over at our website. Don’t let common inconveniences mar your overall holiday experience, after all, it’s a small price to pay for your peace of mind.

Can’t wait to embark on your next getaway and create more memorable experiences? Head to our
Travel Getaway Campaign
 to find out more and head over to
Agoda
 to check out some great hotel deals for your trip.

Are there any other solo travel tips that you would like to add to our list? Just let us know what are your thoughts and comments in the comment box below.

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Nintendo Switch, RM800 Cash Via DuitNow & More Are Up For Grabs

The Unbox This Week credit card campaign is back with exciting gifts to chase your blues away.

For those who are new to this campaign, Unbox This Week is a weekly event where we present to you fantastic weekly flash deals from our featured bank partners. All you need to do is apply for selected credit cards from these banks of the week through RinggitPlus and you’ll take home some great prizes.

From 26 September to 3 October, our featured bank partners are

Citibank, HSBC Bank, Standard Chartered Bank, Alliance Bank, and Public Bank
. So, if you’ve considered applying for a credit card with any of these banks, you know what to do to get more out of your application!

Citibank – Nintendo Switch OLED Model

Game from anywhere with a beautiful 7-inch OLED screen when you win the Nintendo Switch OLED Model! The new system comes with a wide adjustable stand, a dock with a wired LAN port, 64 GB of internal storage, and enhanced audio.

With plenty of game options available online, you can have a good time no matter where you are and regardless if you prefer playing solo or multiplayer.

For those who don’t win the Nintendo Switch OLED Model, you’ll still walk home with an RM600 Touch ‘n Go eWallet Credit for all your shopping needs.

Remember to activate and spend a minimum of eight retail transactions on your new card within 60 days upon gaining approval. Once the bank has confirmed your eligibility with us, you’ll receive instructions from us via email on how you can claim your gift.

Take note, though, that current card members and individuals who have cancelled their Citibank credit cards within a year prior to this campaign do not qualify for this promotion. Otherwise, those who wish to apply for their new Citi credit cards can
head on over here to do so
.

HSBC Bank – RM800 Cash via DuitNow

You’ll be guaranteed RM800 Cash via DuitNow this week when you apply for a HSBC Credit Card! Whether you choose to use it for your meals, pay your bills, purchase movie tickets, and so on, that’s an extra RM800 in your wallet. You could also give it to your loved ones!

Don’t forget to activate and spend a minimum of RM1,000 on your new card within 60 days upon gaining approval to be eligible for this gift. That said, do note that current cardholders and applicants who were denied within six months prior to this campaign, as well as those who have cancelled their HSBC credit cards within six months prior to this campaign are not eligible for our campaign. Otherwise, you can apply for your HSBC credit card
here
.

Public Bank – RM500 Shopee e-Voucher

If you’re an avid Shopee user, you’d love this week’s gift! Apply for a Public Bank Credit Card and you could stand to win an RM500 Shopee e-voucher. Treat yourself to some new electronics, beauty products, or even meals with Shopee Food.

Those who don’t win the Shopee e-voucher will be guaranteed the JBL Wave 100TWS Headphones, which offer deep bass sounds, 20 hours of combined playback, and dual-connect for quick connections.

All you need to do is complete your application via the RinggitPlus website, get approved by Public Bank, and make an accumulative spend of RM250 within sixty (60) days of approval to be guaranteed this gift. Apply for your Public Bank credit card
here
.

Standard Chartered Bank – Dyson Pure Cool Air Purifier

This week, you could win the Dyson Pure Cool Air Purifier when you apply for a Standard Chartered Credit Card! The air purifier can remove 99.95% of allergens and pollutants from the air while also projecting and circulating purified air.

You’ll still take home an RM200 Shopee e-Voucher if you don’t win the Dyson Pure Cool Air Purifier.

Just remember, you will need to activate your card within 30 days upon approval to be eligible for this gift. Lastly, be aware that existing cardholders and individuals who have held a Standard Chartered credit card in the past six months are not eligible for this campaign. If you qualify, then you can apply for your new Standard Chartered credit card
here
.

Alliance Bank – Amazfit T-Rex Pro or Samsung Galaxy Fit2

You’ll become the owner of a new smartwatch when you apply for a credit card with Alliance Bank.

Get the guaranteed Amazfit T-Rex Pro Smartwatch which comes equipped with all the features needed for exploration and adventure! Built with military-grade toughness, you’ll take this gift home when you apply for an Alliance Bank Credit Card with Balance Transfer.

Meanwhile, you’re guaranteed the Samsung Galaxy Fit2 designed for all-day comfort and to fit your active lifestyle. You’ll enjoy a battery life of up to 15 days and over 70 watch faces to fit your style. They’re guaranteed to you when you apply for an Alliance Bank Credit Card.

Upon approval, you just have to activate and spend to meet the requirements of the campaign and be eligible to get the prize. Existing cardholders of any Alliance Bank credit card and individuals who have held or cancelled an Alliance Bank credit card in the past six months are not eligible for this campaign. Apply for an Alliance Bank Credit Card
here
.

***

Finally, be sure to start your application with our WhatsApp chatbot so that your eligibility is guaranteed, and we can always be at hand to help you when you need us.

While this week’s flash deal ends on 3 October (11am), do follow us on our
Facebook page
 to receive the latest Unbox This Week offers as we refresh the deals every week.

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Lisa Ameera Azman

Lisa Ameera Azman

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Maxis Zerolution360: The Phone Leasing Plan With Comprehensive Protection

Maxis has launched Zerolution360, a phone-leasing programme with comprehensive device protection that even comes with a 1-for-1 immediate replacement. Similar to the existing Maxis Zerolution plan, you make monthly instalments alongside your MaxisONE plan, but with added comprehensive protection for peace of mind. There is also zero upfront payment and no interest rate charges; just one fixed amount paid throughout the 24 months.

The phones available under Maxis Zerolution360 are all flagship phones, such as the Samsung Galaxy S9, the Huawei P20 Pro, and even the new Samsung Galaxy Note9. However, unlike the standard Zerolution, Maxis Zerolution360 doesn’t let you own the device at the end of your tenure, effectively making this a phone-leasing feature.

Maxis Zerolution360 comprehensive device protection

With Maxis Zerolution360, should your phone get stolen or sustain accidental damage beyond repair, you are entitled to a 1-for-1 immediate replacement under its comprehensive device protection. This means that if you are a victim of a theft or just your own clumsiness, you will have a replacement phone provided to you through the available pickup and delivery services.

For an additional RM10 per month, you can unlock the benefits of Maxis Zerolution360 Premium: a one-time free screen replacement for cracked screens, a backup loan phone for when your device is being serviced, and priority repair service.

Device upgrades under Maxis Zerolution360

The other key feature of Maxis Zerolution360 is that it allows you to upgrade your phone a year into your contract for a one-time upgrade fee. If your device is not found to be in good working condition, you can utilise the 1-for-1 claim under your subscription to get your upgrade anyway. If you have reached your claim limit, you have the option to pay an excess fee instead of replacing the device at full price.

Once you upgrade your device, your 24-month MaxisONE contract cycle will refresh with the new device of your choice, and the monthly fee you pay from then on will match the amount for the new device. If you don’t upgrade your device during your contract and reach the end of the two-year period, you have three options before you. You can decide to continue your current MaxisONE and Zerolution360 subscriptions with your existing device on a rolling month-to-month basis (i.e. no contract), or you can upgrade to another device with a waived upgrade fee (and refresh your MaxisONE contract cycle). Thirdly, you can also decide to keep the phone by paying a fee, depending on the phone model.

Maxis Zerolution360 flagship phones

The phones you can currently choose for Maxis Zerolution360 are all flagship phones due to the leasing nature of the programme; these high-end devices tend to hold their value better. You can get the Samsung Galaxy S9 at RM89 per month or the Samsung Galaxy S9+ for RM145 per month, and you also have the option to pre-order the new Galaxy Note9 for just RM99 per month.

For Huawei fans, you can get the Huawai P20 from as low as RM86 per month and the Huawei P20 Pro at RM116.00 per month. Those are the five available phones on the list for now, but Maxis is likely to add more phones in the future.

Maxis Zerolution360 and value for money

For those of you live who in fear of shelling out over RM3,000 on a new phone only to damage it beyond repair, Maxis Zerolution360 gives you a good insurance against this. Since it works on a leasing basis, it’s also a good choice for those who are in the habit of changing their devices every year or so.

However, although the device upgrade is a main feature of Maxis Zerolution360, bear in mind that you will have to wait to the end of your two-year contract before you can access this feature for free; doing it between months 13–24 will incur a device upgrade fee. Upgrading your phone will refresh your 24-month MaxisONE contract cycle with the new device of your selection, and you will pay the monthly fee for the new device accordingly.

(Image: CNET)

Most importantly, at no point during this contract do you actually own the phone. Maxis Zerolution360 is a phone-leasing programme, unlike Maxis Zerolution which is a device ownership plan. At the end of your contract period for Zerolution360, you must return your device to Maxis in good working condition. Should you choose to terminate your contract before your 24 months are up, not only will you have to return the phone, you will have to pay the balance of the fees for the entire remainder of your contract.

The cost of Maxis Zerolution360’s comprehensive device protection coverage is included in the monthly subscription amount that you pay. Take note also that the prices quoted are for device subscription only; you will still have to pay for your ongoing MaxisONE plan. Finally, Zerolution360 (and Zerolution) is not a standalone feature – you must subscribe to a MaxisONE postpaid plan on a 24-month contract to be eligible for them.

All things considered, the Maxis Zerolution360 is most suitable for those who favour monthly instalments and peace of mind against accidents or theft, and those who love upgrading their smartphones to the latest models every year. For more details, have a look at the information on the
Maxis Zerolution360 website
.

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Alliance Bank Launches Malaysia's First Virtual Credit Card With Unique Dynamic Card Number Feature

After sharing a
 teaser last week
, Alliance Bank has officially launched its latest digital product for credit cardholders today, known as the Alliance Visa Virtual Credit Card with Dynamic Card Number (DCN). Housed within the bank’s allianceonline mobile banking app, it is the first product of its kind to be rolled out here in Malaysia.

The DCN feature enables cardholders to create randomly generated 16-digit card numbers that they can then use to perform payments, introducing a new layer of security for online transactions and subscriptions management.

Specifically, there are two types of randomly generated card numbers that you can create as an Alliance Visa VCC cardholder, depending on your needs. For those looking to make one-off purchases, they can opt to generate a “short-term” card number, which is automatically cancelled after you’ve performed your transaction, or within 30 minutes (if no transactions performed) for security purposes. Only one card number can be created each time.

Meanwhile, cardholders who wish to use the Alliance Visa VCC to pay for recurring commitments – such as their monthly bills or payments for subscriptions of services – can opt to generate a card number with greater flexibility, such as introducing a maximum transaction limit (both in transaction value and number of transaction) as well as personalising them with logos of specific services for easier identification. That means you can create one “sub card” just for your Spotify subscription, one for Apple Music, and another for YouTube Music, for example. Note that each card number generated is free and isn’t applicable for SST. You will only be charged a one-time SST fee of RM25 regardless of how many virtual cards you decide to create.

As a virtual credit card, you’ll also enjoy additional features including the ability to “freeze” your card to ensure no transactions can go through without your knowledge. When you would like to use the card again, you can unfreeze it in the app. In addition, transactions will also appear in the app in real time, so you know exactly what transactions are yours.

Ultimately, the idea of the Alliance Visa VCC with the DCN feature is to give cardholders more control over how they would like to manage their credit cards. This is on top of the aim to minimise cardholders’ exposure to fraud risks, identity thefts, and financial scams, in addition to bringing a positive impact to the environment by reducing the use of plastic to produce credit cards.

Aside from that, Alliance Bank also clarified that the benefits of the Alliance Visa VCC will be similar to those offered by the physical Alliance Visa Platinum card. Cardholders will earn 8x Timeless Bonus Points (TBP) for every RM1 spent on e-wallet transactions (capped at RM3,000 per statement cycle) and online transactions, and 3x TBP for overseas and dining transactions. All other spend, meanwhile, will earn you 1x TBP per RM1 spent, including contactless transactions, JomPAY, and QR-based payments using DuitNow QR.

There are no annual fees for this virtual card, unlike the physical Alliance Visa Platinum (RM120 per year, waived with 12 transactions of any amount within the year), although the sales service tax of RM25 will still apply. Additionally, existing Alliance Visa Platinum cardholders are not able to convert their card to the virtual card as they are technically two different cards; you will need to apply for the Alliance Visa  VCC separately if you wish to tap into its benefits.

Group chief consumer banking officer of Alliance Bank, Gan Pai Li said that this latest innovation is in line with Alliance Bank’s customer-first mindset, aiming to deliver a seamless digital payment experience. “The new feature on the Alliance Bank Visa Virtual Credit Card provides our customers with greater peace of mind by way of a more secure payment option, addressing concerns of credit card data breach at third party sites when they transact online,” she said, adding that this product is also aligned to the bank’s
enhanced Acceler8 strategy
.

Meanwhile, the country manager for Visa Malaysia, Ng Kong Boon said that it is important for Malaysians to feel empowered and secure when making digital payments, especially with more people preferring digital commerce. “Hence, we have partnered with Alliance Bank on this dynamic card number solution for the virtual credit card. We hope to give customers more confidence as they shop and pay for their purchases online,” he said.

With this launch, Alliance Bank also noted that there are plans to eventually expand this its VCC with DCN technology to its Alliance Visa Signature and Alliance Visa Infinite cards as well. That said, no timeline has been shared for this target.

As the exclusive acquisition partner for the launch, RinggitPlus is offering some additional goodies for those who apply for the Alliance Bank Visa Virtual Credit Card through the RinggitPlus WhatsApp chatbot. Early birds who apply will enjoy guaranteed cash rewards as well as a chance to win a grand prize of RM1,000 Touch ‘n Go eWallet credits.

In addition, Malaysians who have previously applied and were approved for any credit card in RinggitPlus will also enjoy a “green lane” application process for faster application process. Finally, the first 12,000 RinggitPlus customers will apply and are approved for the card will also enjoy “Double Cashback” of 2x RM15.90 for recurring or subscription payments (for up to 5 subscriptions per customer).
*Applications on RinggitPlus will be opened soon.

If you’d like to apply for the enhanced Alliance Visa VCC with DCN feature, you’ll need to first download the allianceonline mobile app from
 Google Play Store
, the
 App Store
, or the
 Huawei AppGallery
. From there, fire up the app and follow these steps:

Tap on the VCC icon at the top right of the login page

Start your application and provide the necessary personal and income details required

Provide all supporting documents required (photo of your IC as well as proof of your income, such as EPF statements)

Submit!

Once you’re done, you should receive a push notification and an SMS notification to inform you of your application status. Alliance Bank said that they aim to process the applications of existing Alliance Bank customers and cardholders within 24 hours, while the application of new Alliance Bank customers will take up to 48 hours.

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About THE AUTHOR

Alex Cheong Pui Yin

Alex Cheong Pui Yin

Previously covered recruitment-related stories and had a short stint as a copywriter for the property industry. She subsequently developed an interest in investment and robo-advisors.

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    Bebe L.

    4 months ago

definitely a card that will counter the current credit card fraud cases!

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Guaranteed Apple AirPods & Smartphones For Credit Card Applicants This Week

It’s that time of the week again — The Unbox This Week credit card campaign is here with guaranteed gifts that will add excitement to your application!

For those who are new to this campaign, the Unboxing This Week is a weekly event where we present to you fantastic weekly flash deals from our featured bank partners. All you need to do is apply for selected credit cards from these banks of the week through RinggitPlus and you’ll take home some great prizes.

For this week (26 July – 2 August), our featured bank partners include

Citibank, Standard Chartered, and HSBC Bank.
So, if you’ve considered applying for a credit card with any of these banks, now’s a good time to get more out of your application!

Citibank: Guaranteed Apple AirPods* For All

Stand a chance to take home either the Apple AirPods Pro or Apple Airpods when you apply for selected cards from Citibank through us!

The stylish AirPods Pro will be gifted to randomly chosen successful applicants who submit their application from 26 July to 2 August. As for those applicants who do not win the Apple AirPods Pro, there is no need to be disappointed because you will still be walking away with a pair of Apple AirPods!

Remember to activate and spend a minimum of 8 retail transactions on your new card within 60 days upon gaining approval. Once the bank has confirmed your eligibility with us, you’ll receive instructions from us via email on how you can claim your gift.Take note, though, that current cardmembers and individuals who have cancelled their Citibank credit cards within a year prior to this campaign do not qualify for this promotion. Otherwise, those who wish to apply for their new Citi credit cards can
head on over here to do so.

Standard Chartered Bank: Guaranteed Vivo Y20

From 26 July to 2 August , Standard Chartered is giving away a guaranteed gift – the Vivo Y20 to ALL approved applicants so you can stay in touch with family and friends!

Everyone’s a winner when you apply for selected Standard Chartered credit cards. Just remember, you will need to activate your card within 30 days upon approval to be eligible for this prize.

Lastly, be aware that existing cardholders and individuals who have held a Standard Chartered credit card in the past six months are not eligible for this campaign. If you qualify, then you can
apply for your new Standard Chartered credit card here.

HSBC Bank: Pick Your Guaranteed Gift – OPPO A54 or Redmi 9T?

This week, HSBC lets you choose your guaranteed smartphone gift! What would the smartphone of your choice be – the OPPO A54 or Redmi 9T?

Don’t forget to activate and spend a minimum of RM1,000 on your new card within 60 days upon gaining approval to be eligible for either the OPPO A54 or the Redmi 9T.

That said, do note that current cardholders and applicants who were denied within six months prior to this campaign, as well as those who have cancelled their HSBC credit cards within six months prior to this campaign are not eligible for our campaign. Otherwise, you can apply for your
HSBC credit card here.

***

Finally, be sure to start your application with our WhatsApp chatbot so that your eligibility is guaranteed, and we can always be at hand to help you when you need us.

While this week’s flash deal ends on 2 August (1pm), do follow us on our
Facebook page
 to receive the latest Unbox This Week offers as we refresh the deals every week.

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TNG eWallet, MR DIY Collaborate To Offer Improved And Personalised Customer Experience

(Image: The Star)

Touch ‘n Go (TNG) Group has teamed up with MR DIY Group (M) Bhd in a bid to offer an improved customer experience via both online and offline avenues. Specifically, this will be done by providing more benefits and better convenience, as well as by personalising store offers to match the needs of each customer.

According to a joint statement by both parties, the collaboration will see MR DIY becoming a prominent feature in the TNG eWallet. With this, 16 million TNG eWallet users will be able to seamlessly browse through MR DIY’s catalogue, order and pay for their purchases, as well as have their purchases delivered or prepared for pick-up at their preferred outlets. This particular feature is slated to be rolled out in the third quarter of 2021.

Additionally, the partnership will also involve the implementation of various analytics and personalisation initiatives in the near future. This will allow TNG eWallet users to gain access to customised and more relevant offers from MR DIY.

(Image: The Star)

On top of that, TNG customers are able to reload their Touch ‘n Go cards at all MR DIY stores, as well as use the TNG eWallet to pay for online and in-store purchases at MR DIY. MR DIY is also currently one of TNG eWallet’s regular partners for its Goal Hunter loyalty programme, with cashback vouchers provided for redemption.

In announcing the collaboration, the group chief executive officer of TNG Group, Effendy Shahul Hamid said that success in the present business environment requires strong partnerships with like-minded brands. This allows the delivery of a clear value proposition to customers and users. “We think that we have a perfect partner in MR DIY, and together we hope to pave the way for superior offerings for both our sets of customers,” he said.

Effendy also said that TNG and MR DIY are both iconic homegrown brands with a strong view of being hyper customer-centric. Both have an unending focus on delivering superior value across the customer experience chain.

Meanwhile, the chief executive officer of MR DIY, Adrian Ong said that the company is constantly looking for new and innovative ways to make MR DIY more accessible to customers nationwide.

“This partnership with TNG is a major step in making shopping at MR DIY cashless and rewarding. More importantly, this move makes shopping at MR DIY even more convenient by taking our promise of ‘Always Low Prices’ right into the screens and devices of customers. This is a major milestone in our aim of becoming the nation’s preferred retailer, and we thank the TNG team for making it happen,” said Ong.

(Sources:
The Star
,
The Edge Markets
)

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Alex Cheong Pui Yin

Alex Cheong Pui Yin

Previously covered recruitment-related stories and had a short stint as a copywriter for the property industry. She subsequently developed an interest in investment and robo-advisors.

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    Kumar

    2 years ago

I want to top up touch n go card at Mr Diy inside AEON big Bukit Minyak after see the news, they said cannot.. Vesting my time go there.

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Targeted Repayment Assistance: 40% Of Recipients Granted Moratorium Extension

Bank Negara Malaysia (BNM) has revealed that 40% of approved targeted repayment assistance recipients were granted a moratorium extension, while the other 60% of successful applicants received a reduction in instalments.

According to the central bank, the 40% of recipients who were allowed to extend their moratorium on repayments consisted mainly of individuals who had recently been made unemployed. This pool of recipients also included businesses in sectors that were still experiencing significant operating constraints caused by the pandemic.

Meanwhile, the 60% who were granted a reduction in instalments included those in the B40 group. BNM stated that these instalment reductions put individuals and SMEs on a path to start paying down their loans, but at levels which they were comfortable with.

As at 9 October 2020, the number of applications received for post-moratorium aid stood at 640,000, with an approval rate of 98%.

“Among individuals who requested repayment assistance to date, about 50% have a monthly income of RM5,000 or less,” said BNM in a statement. “Meanwhile, 28% are those with a monthly income between RM5,000 to RM10,000.” BNM further highlighted that borrowers in other segments were also being supported, including those who earn variable incomes and those employed in hard-hit sectors like the tourism industry.

With the first BNM-mandated
blanket moratorium
 having ended on 30 September, it was decided that banks would offer
targeted repayment assistance
 to those who still remained financially affected after the six-month moratorium period.

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What Are the Advantages of Premier Banking?

Being wealthy has its perks, and if you are among the cream of the crop, you may be granted priority, preferred or premier banking status. The three different names are of equal status and usually reserved for the banking customers with really deep pockets.

Besides a different colour credit card, debit card and cutting the queues at the bank, let us explore what else premier status offers in order to enhance one’s lifestyle.

Exclusive Travel Privileges

If being fancy and classy is part of your name, then you may have your eyes on an actual metal credit card issued by OCBC Bank. The
OCBC Premier Voyage Card
 not only looks stylish but takes travel rewards to the next level.

With a card like that, you are no longer bound to a single airline partner for rewards. There is no restrictions on blackout dates imposed due to peak season or flight times. This really puts the priority in priority banking customers.

<a href=”
https://ringgitplus.com/en/credit-card/?utm_source=ringgitplus&utm_medium=banner&utm_campaign=my-rpint-crcd-gen&utm_content=blogcta_crcd_bestcreditcardinmalaysia_ringgitplus_mid”title=”Compare
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The rewards are even transferable and you can use your rewards points to put your friends and family on a flight just because you felt like they deserve that little extra.

On top of all those benefits, the card holder is allowed into the premium lounge at selected airports even if they are not flying business class.

To add on to the list of convenience, there is no need to even step into a travel agency when making travel plans.
UOB Privilege Banking
 provides specially designed travel packages that can be aligned to the client’s lifestyle, taste and preferences.

Exclusive High Profile Events

Being a premier or priority bank customer opens the door to a tonne of exclusive events organised specifically for the elite.

CIMB preferred
 events tend to be centred around golf, performance auto mobiles, fashion and even priority viewing of property developments. That is how the elite get their hands on all the good units before the project is even released to the public.

Other times, banks have exclusive events to view and purchase premium watches, jewellery, test drives of new cars and on some occasions, wine or
whiskey tastings
 as well.

Exclusive Medical Privileges

Having all the money in the world but not having a clean bill of health would mean nothing. That is why financial institutions like
Maybank
 have additional discount privileges for its Premier Wealth customers for hospitals in Malaysia and Singapore.

Exclusive Freebies

While the more affluent customers can well afford the many luxuries in life, some banks take it into their own hands to ensure their customers enjoy certain complimentary luxuries.

At RHB Bank, the
Premier Signature Experience
 provides its customers with a luxurious 4 night stay in Bali as a way of saying thank you and is not exclusive to new customers only. Existing customers may enjoy the same benefit, as long as they top up their existing investments by another RM200,000.

Stepping into the World of Premier Banking

There is an enormous amount of benefits and amazing new things to experience at the epitome of banking. Take matters into your own hands and move in the right direction by starting with a simple
bank account
 and some
fixed deposits
.

Most banks have a requirement of approximately RM200,000 before you can make a request or attain an invite into the world of premier banking.

If you are a person who enjoys a certain level of lifestyle, consolidating all your funds in one bank may be the move you need make in order to be part of this exclusive world.

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Gavin Pereira

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Budget 2021 Will Take Into Account Current Covid-19 Economic Factors

The 2021 Budget, which is expected to be announced in October or November, should take into account current economic factors, said Finance Minister Tengku Datuk Seri Zafrul Abdul Aziz. The government will stress more on efforts to revive the country’s economy for the upcoming national Budget.

In contrast, the Finance Minister said that the effects of the Covid-19 pandemic will not negatively impact the 12
th
 Malaysia Plan. Tengku Zafrul said this was because the 12
th
 Malaysia Plan is a long-term economic plan covering the 2021-2025 period.

Moreover, the government is also studying a targeted six-phase
economic recovery plan
 which will be tabled at the end of the month. According to Tengku Zafrul, the first phase of the plan, Resolve, took place when the government started implementing the movement control order (MCO). The second phase, Resilience, took place when the government announced the
Prihatin stimulus package
, and is followed by the Restart phase.

The Restart phase will take at least a month to show its effects as it refers to restarting the economy, and it will be followed by the fourth phase, Recovery. Revitalise comes next and the Finance Minister said that the tabling of the Budget will take place when the economy is in this fifth phase. Finally, the plan will end with the sixth phase, Reform.

“For this year, everything will depend on how we tackle the Covid-19 pandemic. We have begun reopening the economic sectors in stages and this is hoped, more or less, to help mend the country’s economy,” said Tengku Zafrul. “The faster we tackle the pandemic, the faster we can rebuild our economy.”

(Source:
The Malay Mail
)

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BNM Maintains OPR At 3.00% In September 2023 MPC Meeting

Bank Negara Malaysia (BNM) has decided to keep the overnight policy rate (OPR) unchanged at 3.00% at its Monetary Policy Committee (MPC) meeting today. Accordingly, the ceiling and floor rates of the corridor of the OPR will be maintained at 3.25% and 2.75%, respectively.

BNM said that its decision is attributed to the fact that Malaysia’s economic growth in the second quarter of the year has been affected by slower external demand and a decline in commodity production. As such, the current OPR is considered to be at an appropriate level to support the current economy.

The central bank further noted that moving forward, Malaysia’s growth will continue to be driven by resilient domestic expenditure amidst a challenging external environment and slowing global growth. Some factors that have contributed to the moderation of global growth include a persistently high core inflation and high interest rates, as well as a slower-than-expected growth in China. In addition to that, the escalation of geopolitical tensions and sharp tightening in financial market conditions also played a part.

(Image: Bloomberg)

On the home front, BNM said that Malaysia’s economy and household spend will be buoyed primarily by continued employment and wage growth. Tourist arrivals and spending are also expected to improve significantly, and the continued progress of ongoing infrastructure projects as well as implementation of initiatives announced under various recent national masterplans are expected to accelerate the country’s economic growth as well.

Meanwhile, headline and core inflation have both continued to ease, following more moderate cost conditions. “This moderating trend would likely continue in the second half of 2023, partly reflecting the higher base from the second half of 2022 and continued easing momentum of price increases. Risks to the inflation outlook remain highly subject to changes to domestic policy of subsidies and price controls, global commodity prices, and financial market developments, as well as the degree of persistence in core inflation,” BNM shared in its statement.

Finally, BNM noted that the MPC will continue to monitor and assess ongoing developments to ensure that Malaysia’s monetary policy stance remains conducive to a sustainable economic growth.

For context, BNM has been working on gradually raising Malaysia’s OPR over the past two years in a bid to bring it back up to pre-Covid-19 rates, after reducing it to an
all-time low of 1.75% back in 2020
. Specifically, year 2022 saw the
rate raised up to 2.75%
; in May 2023, it was subsequently increased to the
current 3.00%
.

(Source:
BNM
)

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About THE AUTHOR

Alex Cheong Pui Yin

Alex Cheong Pui Yin

Previously covered recruitment-related stories and had a short stint as a copywriter for the property industry. She subsequently developed an interest in investment and robo-advisors.

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The Major Role Your Credit Score Plays In Your Life

You’ve most probably heard of the term “credit score”. But do you know what it is exactly and just how big of a role it plays in your life?

A credit score is a number that represents the creditworthiness of an individual. Think of it as a measurement of your attractiveness to lenders – the higher your credit score, the more attractive you are to them as a potential borrower. Lenders, such as banks and other financial institutions, use credit scores to determine the probability of borrowers repaying their loans in a timely manner.

Your credit score is calculated based on an analysis of your credit history. This includes the length of your credit history, your total amount of debt, your debt repayment track record, as well as the number of new credit accounts you’ve recently opened.

How Does Your Credit Score Impact Your Life?

In a word, significantly. Whenever you want to take out a loan from the bank, or apply for a new credit card, the outcome of your application will partly depend on your credit score and credit health.

So if you’ve set your sights on buying your dream home, or if you think that it’s finally time to trade in your existing car for a new set of wheels, your credit score is an important factor in determining whether some of your life’s major goals can be fulfilled.

The Importance Of Maintaining A Good Credit Score

As mentioned, your credit score is used by banks and other lenders to partly decide if they should approve your loan. High credit scores demonstrate that you’ve been responsible with your credit behaviour, which gives potential lenders more confidence when they evaluate your loan or credit card application.

In the event that your request for credit does get approved, banks will also use your credit score to decide on your credit terms. Credit terms are the set of conditions with which a lender grants you credit – including the loan amount, credit limit, interest rate, and loan tenure. For facilities such as home loans, car loans, and personal loans, you’ll generally enjoy more favourable credit terms if you have a high credit score, which means that you’ll pay a lower interest rate throughout the tenure of the loan.

By paying less interest, you could save a significant amount of money over the course of the loan, and this is especially so for major purchases like a house or a car.

On the other hand, if you have a low credit score, even if your loan application is approved, lenders will charge you a higher interest rate to make up for the higher risk they face of you being unable to repay your loan. Therefore, you’ll end up paying more money in the long run. You may also be given a shorter loan repayment term or required to have a co-signer for any loans that you apply for.

How Can You Improve Your Credit Score?

It begins with awareness. Most of us are not aware of the current state of our credit health. However, in order to improve your credit health and raise your credit score, you’ll need to understand your credit status as well as all of the factors that affect it.

Thankfully, credit reporting agencies also provide consumers with in-depth credit reports. One such example is the Experian Personal Credit Report Plus (PCRP). Built on Experian’s extensive and leading-edge data capabilities, PCRP presents an accurate picture of your credit health at any given time and demystifies much of the ambiguity surrounding your credit status. It also offers a three-digit credit score for easy reference of your credit health
–
the higher the number, the better your credit health.

PCRP doesn’t just tell you your credit score either – you can find other handy information like your Skim Potongan Gaji Angkasa (SPGA) and PTPTN records, non-banking trade references as well as litigation history, among others.

More importantly, PCRP also provides detailed insight into your banking credit information. You can, for example, find out if any of your credit facilities are under special monitoring by banks or financial institutions under Special Attention Accounts.

With this powerful tool at your disposal, you’ll gain a holistic view of all aspects of your credit health, which allows you to better understand what are the key areas that you’ll need to look into as you work towards raising your credit score.

Sample Experian PCRP

For example, many are not aware that making minimum payments on your monthly credit card bills with higher card usage will not only affect your credit score, but burden you with more interest to pay. The effect is worse if you don’t repay your bank loans or credit card statements on time
–
this will be on record for 12 months and negatively affect your credit score, too.

The Experian PCRP will also provide you with factors that have affected your overall credit score, and some suggestions on how to improve it. A good practice is to check in on your credit health from time to time, even if you don’t have plans to buy a car or a house in the near future. This is so that when you are ready to do so, your credit score is good enough for banks to approve your application
and
offer favourable rates.

If you’d like to get serious about growing the numbers on your credit score, finding out more about

Experian Personal Credit Report Plus
 is definitely one of the best ways to start.

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Latest RinggitPlus Unbox This Week Campaign Offers More Great Deals, Including RM1,000 Cash Prizes

With just another three more sleeps to Christmas, and ten more days to New Year, 2020 is almost coming to an end! And this means so will our Unbox This Week campaign, which has been ongoing since October. For
more than two months
, we have been rewarding our customers with great weekly flash deals from different bank partners, and we’ll continue to do so until the end of December.

During the past few months, our customers have had the chance to win a variety of great prizes, such as tech bundles consisting of the
Lenovo Tab M7 and Xiaomi Airdots
, as well as the
Lenovo ThinkVision E24-20 monitor along with wireless keyboard and mouse
. To win, you’ll need to apply for selected credit cards from one of the featured banks through us.

This week (21 to 24 December), our featured banks are Citibank, Standard Chartered Bank, and RHB Bank. If you’ve been wanting to apply for credit cards with them, read on to find out what special deals you can get when you do so with us!

Citibank: Sony PS5 Digital Edition

For the third time in this campaign, Citibank is offering you the chance to win the best gaming console of this generation – the Sony PS5 (digital edition) – when you apply for selected credit cards from the bank through us. Worth RM1,869, this exclusive prize will be given to the first 15 successful applicants of each day. Note though that this time round, Citibank is only providing this offer for three days, which means you only get to try your luck at it until
23 December
 (that’s tomorrow!).

To qualify for Citibank’s deal, you’ll also need to activate and spend a minimum of eight retail transactions within 60 days on your new card once it is approved. After the bank has informed us of your eligibility, we will announce the winners on our Facebook page by 31 March 2021, as well as send them an email with instructions on how to claim their gifts.

Those who do not win the Sony PS5 will not walk away empty-handed either! Instead, we’ll gift you with an Amazfit Bip, a quality smartwatch by Huami. You will also receive an email from us containing instructions on how to get claim your prize when the bank has notified us of your win.

As always, this promotion is not open to current cardholders and individuals who have cancelled any of their Citibank credit card and reapplied in the 12 months prior to the campaign period. Otherwise, head on over to
here to apply for your Citibank credit card
.

Standard Chartered: RM1,000 Cash Giveaway

Once again, every third successful applicant who applies for a selected credit card from Standard Chartered through us will stand a chance to win RM1,000 worth of cash in this unlimited giveaway! Provided on a first-come first-served basis, you need to activate your card within 30 days upon approval in order to qualify for this exclusive gift.

Once the bank has confirmed your eligibility, you will receive an email from us within 90 days, containing instructions on how to claim the gift. For now, though, you should know that the cash gift will be transferred to you via DuitNow in a single transaction. As such, do ensure that you apply for your credit card with a mobile phone number that is registered to a DuitNow account. The winners will be announced by 31 March 2021, so keep an eye out for the list on our website or Facebook page.

Meanwhile, those who do not win the RM1,000 cash gift will be entitled to a pair of Samsung Galaxy Buds. We will send you an email with instructions on how you can claim your gift once the bank has confirmed your win.

Lastly, a reminder: existing cardholders and individuals who have held a Standard Chartered credit card in the past six months prior to this campaign are not eligible for this promotion. If you do qualify, then you can apply for your
Standard Chartered credit card here
.

RHB: RM600 Lazada e-Voucher

Apply for selected credit cards from RHB through us and earn a chance to win an RM600 Lazada e-voucher! This promotion, which is available on a first-come first-served basis, is limited only to the first 50 applicants. Remember, you must also activate your card within 30 days of approval to be eligible for it.

Not one of the first 50 applicants? No need to be disappointed! We’re still rewarding you with an RM50 Lazada e-voucher. We’ll announce the list of winners on our Facebook page by 31 March 2021, so be sure to check in closer to the date. All winners will receive their e-vouchers via SMS within 30 days of meeting the requirements.

Do note that individuals who have previously held and cancelled their RHB credit cards within one year before this campaign are not entitled to this deal. Qualified individuals can head on over
here to apply for their RHB credit cards
 and win this exclusive gift.

***

Remember to start your credit card application via our WhatsApp chatbot so that your eligibility for this campaign is guaranteed, and also so we can assist you as needed. Make sure to also note the different duration of the promotions on offer this week if you’re aiming for a specific deal! Citibank’s deal expires on
23 December (6pm)
, whereas Standard Chartered’s and RHB’s end on
24 December (6pm)
.

Otherwise, you can come back again next week to check out the fresh deals that will be offered via our
Unbox This Week campaign
. Until then, here’s us wishing everyone a very merry Christmas!

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About THE AUTHOR

Alex Cheong Pui Yin

Alex Cheong Pui Yin

Previously covered recruitment-related stories and had a short stint as a copywriter for the property industry. She subsequently developed an interest in investment and robo-advisors.

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Al Rajhi’s Visa Card-i and AirAsia let you take to the skies

Who doesn’t fancy a holiday? If you’re longing to go on one, Al Rajhi’s Visa Card-i offers you
extra low rates for AirAsia’s Fabulous Fly-Day promotion
.

Just visit
airasia.com
 every Friday from 11 am to 4 pm and purchase your flights with your Al Rajhi credit card to enjoy this deal.

Whether sandy beaches or charming cities, let your next vacation be unforgettable!

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