Articles & guides
Guides, tips, and plain-English explainers about the Android apps we publish — written to be practical and easy to follow.
Why Debt Consolidation Fails: The Habit of Borrowing Again Once the Old Debts Are Clear
Debt consolidation usually fails for a behavioural reason rather than an arithmetic one: the cleared card gets used again. Replacing RM 850…
Reckless Credit: When a Loan Should Never Have Been Granted
South African credit providers must assess whether a borrower can afford the repayments before granting credit. Where that assessment was…
Why South African Credit Caps Move With the Repo Rate
South Africa does not cap credit at a fixed percentage. The ceiling on unsecured credit is written as a formula, the repo rate multiplied…
What the National Credit Act Actually Gives South African Borrowers
South Africa regulates consumer credit through the National Credit Act, which requires credit providers to register with the National…
When a Lender Leaves No Trace Anywhere
Some lending brands return nothing at all when searched. No registered entity, no licence number, no address, no regulator record. That…
Reading a Malaysian Moneylender Licence Number
A Malaysian moneylender licence number begins with WL and an advertising permit begins with WP, and both carry validity dates. Knowing the…
Pay First, Get the Loan Later: How the Advance Fee Trick Works
The most common loan fraud has one move: you are approved quickly, then asked to pay something small first, a processing fee, an insurance…
Buy Now Pay Later in Malaysia Is Now Licensed Credit
Buy now pay later stopped being an unregulated convenience in Malaysia. Providers must obtain a licence from the Consumer Credit Commission…
Responsible Lending Duties: What a Lender Now Owes You
The Consumer Credit Act 2025 places duties on credit providers that used to be optional: assess whether a borrower can actually afford the…
The Consumer Credit Act 2025: Malaysia New Credit Regulator
Malaysia brought non-bank consumer credit under a single framework with the Consumer Credit Act 2025, which came into force on 1 March 2026…
Before You Move Debt Into One Loan: Settlement Figures, Early Settlement Costs and Who Pays the Old Creditors
Before moving several debts into one loan, get a written settlement figure for every old debt, the cost of settling each one early, and…
Bank or Licensed Moneylender: Two Different Regimes, Two Different Loans
A bank loan and a licensed moneylender loan are not the same product under a different brand. They sit under different regulators…