Professional payment management. Save RM 1,200-5,000/year.
[ Never miss a payment again. Maximize rewards. Improve credit score. All managed professionally. ]
[ Trusted by ]
信用额度提升
RM 30K → RM 300K
0% 利息期
最长 12 个月免息
应急资金
24小时内可用
信用评分
影响所有贷款利率
额外收益
积分返现 + 税务抵扣
3 Major Struggles of Malaysian Credit Card Users
Malaysia's credit card debt: RM 50.7B. RM 551.8M overdue (1.1%). Each late payment = RM 150-300 penalty + credit score damage. High credit card usage = higher DSR = loan rejection. We fix all of this.
Forgot Payment = RM 150-300 Penalty + Credit Score Damage
Multiple cards, different due dates, easily miss payments. Each late payment: RM 150-300 penalty + affects CCRIS/CTOS records + increases DSR. Real impact: Loan rejection due to high DSR from credit card debt.
[ RM 551.8M Overdue Debt ]
Poor Optimization = Lost RM 800-3,000/Year
Don't understand card rewards, wasted points, high annual fees. Not using the right card for purchases = missing cashback. Paying annual fees unnecessarily. Real impact: RM 800-3,000/year lost in benefits.
[ 18% Annual Interest Trap ]
Multiple Cards Chaos = Stress + Missed Payments
Manage 2-3 cards, confused statements, different billing dates. Easy to miss payments. High credit utilization = higher DSR = loan rejection. Real impact: DSR 75% due to credit card debt, bank rejects loan application.
[ Average 2-3 Cards Per Person ]
5 Professional Services - Save RM 1,200-5,000/Year & Improve Credit Score
Payment Reminders (Save RM 500-2,000/Year)
3-tier reminder system (WhatsApp + SMS + Email) 7/3/1 days before due date. Never miss a payment again. Avoid RM 150-300 late fees per card. Real result: Save RM 500-2,000/year in late fees alone.
Payment-On-Behalf (100% On-Time Guarantee)
We pay on your behalf within 2 business days. 100% on-time payment guarantee. Protect your credit score. Avoid late fees. Monthly reconciliation report. Real result: Credit score improvement (650 → 780 in 6 months).
Purchase-On-Behalf (Maximize Rewards)
Intelligent card selection system. Automatically use the best card for each purchase to maximize cashback and points. 50/50 revenue share model. Real result: Extra RM 800-3,000/year in rewards.
Card Optimization (Save RM 500-1,500/Year)
Monthly spending analysis. Optimal card usage recommendations. Annual fee waiver negotiation (save RM 200-800/year per card). Rewards redemption reminders. Real result: Save RM 500-1,500/year in fees and maximize rewards.
Debt Management (Improve DSR & Credit Score)
Free DSR calculation. Debt consolidation recommendations (save RM 500-2,000/month). Credit score improvement strategies (650 → 780 in 6 months). Lower interest rate solutions. Real result: DSR improves, loan approval chances increase 60-80%.
Real Clients, Real Savings
Mr. Wang
Before
4 cards in chaos, monthly payment RM 2,500, frequent late payments
After
Consolidated loan + smart management, on-time payments
Annual Savings
RM 3,200
Ms. Li
Before
Credit score 650, home loan rejected, high interest rates
After
Credit optimization, score improved to 780, loan approved
Annual Savings
RM 45,000
Boss Chen
Before
Corporate card not optimized, monthly spend RM 30K, wasted points
After
Smart purchasing, points maximized, annual fee waived
Annual Savings
RM 5,000+
Choose Your Plan
Individual
For personal credit card users
or RM 99/month
- Up to 3 credit cards
- Payment reminders
- Card optimization
- Monthly benefit reports
- Payment-on-behalf +RM 50/mo
Corporate
For businesses and SMEs
per month
- 4-tier pricing
- Dedicated account manager
- Employee card management
- Quarterly strategy review
- Priority support
Loan Clients
Exclusive for our loan clients
first 12 months
- All standard features
- 50% discount after 12 months
- Complimentary service
- No upfront fees
- Cancel anytime
Common Questions
How do you charge?
We offer two pricing models: 1) Success-based 50/50 revenue share with no upfront fees, or 2) Monthly subscription starting at RM 99. Loan clients enjoy 12 months free service.
Is it safe and compliant?
Yes. We fully comply with Personal Data Protection Act 2010 (PDPA), maintain RM 1M professional indemnity insurance, and use bank-grade encryption to protect your data. We never sell your data to third parties.
What information do I need to provide?
You need to provide: 1) Credit card details (last 4 digits, bank, credit limit), 2) Monthly statement dates, 3) Bank account for payment-on-behalf service (optional). All information is encrypted and securely stored.
How soon will I see results?
Payment reminders start immediately. Card optimization shows results within 1-2 months. Credit score improvement typically takes 3-6 months of consistent on-time payments. Annual fee waivers can be negotiated within 1 month.
Can I cancel anytime?
Yes. Subscription plans can be cancelled anytime with 30 days notice. Success-based plans require 6-month minimum commitment. All outstanding fees must be settled within 14 days of termination.
Start Saving Today
Contact us for a free consultation on your credit card management strategy
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