💳 Credit Cards
The concepts you need to use credit cards, debit cards and e-wallets in Malaysia without surprises — the interest rate, the cost of credit and the difference that matters at the end of the month.
How credit cards work in Malaysia
The grace period, the statement, the minimum payment and interest — how a credit card works step by step, and how to use it without it costing you a lot.
Read the article →The effective interest rate and the cost of credit: comparing loans in Malaysia
Flat rate or reducing balance? Malaysia quotes both, and the difference is large. How to read the effective lending rate, add in the fees, and compare loans, financing and 'buy now pay later' fairly.
Read the article →Credit card, debit card or e-wallet: which should you use?
A debit card and e-wallet take the money straight away; a credit card gives a grace period and stronger purchase protection. How to choose for everyday spending, online and travel.
Read the article →