{"id":1666,"date":"2012-07-01T08:29:47","date_gmt":"2012-07-01T00:29:47","guid":{"rendered":"http:\/\/blog.imoney.my\/?p=1666"},"modified":"2018-01-12T10:01:25","modified_gmt":"2018-01-12T02:01:25","slug":"5-cara-untuk-meningkatkan-skor-kredit-kad-anda-bm","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/5-cara-untuk-meningkatkan-skor-kredit-kad-anda-bm","title":{"rendered":"5 Cara Tingkatkan Skor Kredit Anda"},"content":{"rendered":"

Ramai orang yang pandang ringan kepentingan memiliki skor kredit yang baik. Skor kredit umpama buku laporan. Tanpa skor kredit yang baik, ia akan membebankan anda untuk membuat pinjaman lagi dengan pihak bank.<\/p>\n

Namun begitu, tidaklah sukar untuk baiki skor anda, walaupun seperti nak kuruskan badan, ia tak berlaku dalam masa yang singkat. Di bawah terdapat tip untuk bantu anda jayakan misi ini.<\/p>\n

<\/span>Bayar bil tepat pada masanya<\/span><\/h2>\n

Bank gemarkan pelanggan yang bayar bil mereka tepat pada waktunya. Jika anda ada sejarah pembayaran lewat, ianya akan terpapar di laporan kredit Bank Negara, dan laporan ini boleh diakses oleh seluruh bank. Rekod buruk dalam laporan kredit tidak akan terpadam dalam jangkamasa yang lama, dan bank boleh menjadi amat tidak pemaaf!<\/p>\n

<\/span>Punyai pekerjaan yang baik<\/span><\/h3>\n

Mempunyai kerja dengan pendapatan yang kukuh amat membantu dalam mempertingkatkan skor kredit. Sumber pendapatan yang kukuh merupakan petunjuk bahawa anda berkemungkinan tak akan mengabaikan pembayaran pinjaman anda, dan ini juga bermakna anda juga bukanlah seorang peminjam yang berrisiko kepada bank. Peminjam yang kurang berrisiko biasanya punyai skor kredit lebih baik.<\/p>\n

\"homeloan-728x90-bm\"<\/a><\/p>\n

<\/span>Punyai beberapa aset<\/span><\/h2>\n

Jika anda mempunyai beberapa aset, skor kredit anda akan meningkat. Bank memandang aset seperti pelaburan hartanah dan deposit simpanan sebagai petanda bahawa kewangan anda dalam keadaan baik.<\/p>\n

<\/span>Kurangkan hutang anda<\/span><\/h3>\n

Untuk dapatkan skor kredit yang lebih baik, anda bukan sahaja patut pastikan anda patuhi pembayaran hutang, namun haruslah juga jika boleh, bayar penuh baki hutang yang tertunggak. Satu idea yang baik ialah mengurangkan bilangan kad kredit serta hutang anda. Apabila bank menyedari yang anda juga meminjam dari tempat-tempat lain, serta ada banyak tanggungan hutang apabila anda cuba membuat pinjaman lain, harus diingat bahawa ianya bukanlah sesuatu perkara yang baik!<\/p>\n

<\/span>Jadilah pelanggan yang setia<\/span><\/h3>\n

Bank biasanya beri layanan lebih istimewa kepada pelanggan setia. Mempunyai sejarah yang lama dengan sesebuah bank itu akan secara amnya memperbaiki skor kredit anda dengan bank tersebut. Walau bagaimanapun, kalau boleh jimat banyak duit dengan menukar bank, mungkin anda kena tukar bank!<\/p>\n

Seperti yang dapat dilihat, ianya tidaklah terlalu sukar untuk tingkatkan skor kredit anda. Namun, sebelum anda keluar dan pohon kad kredit baru, pastikan anda tanya diri sendiri tiga soalan penting ini<\/a>!<\/p>\n","protected":false},"excerpt":{"rendered":"

Ramai orang yang pandang ringan kepentingan memiliki skor kredit yang baik. Skor kredit umpama buku laporan. Tanpa skor kredit yang baik, ia akan membebankan anda untuk membuat pinjaman lagi dengan pihak bank. Namun begitu, tidaklah sukar untuk baiki skor anda, walaupun seperti nak kuruskan badan, ia tak berlaku dalam masa yang singkat. Di bawah terdapat… View Article<\/a><\/p>\n","protected":false},"author":1,"featured_media":8918,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[326,100,99,105,103],"tags":[279],"class_list":["post-1666","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel-terkini","category-kad","category-pinjaman-kereta","category-pinjaman-peribadi","category-pinjaman-perumahan","tag-bm"],"acf":[],"yoast_head":"\n5 Cara Tingkatkan Skor Kredit Anda<\/title>\n<meta name=\"description\" content=\"Tanpa skor kredit yang baik, ia akan membebankan anda untuk membuat pinjaman lagi dengan pihak bank. Namun begitu, tidaklah sukar untuk baiki skor anda.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imoney.my\/articles\/5-cara-untuk-meningkatkan-skor-kredit-kad-anda-bm\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5 Cara Tingkatkan Skor Kredit Anda\" \/>\n<meta property=\"og:description\" content=\"Tanpa skor kredit yang baik, ia akan membebankan anda untuk membuat pinjaman lagi dengan pihak bank. Namun begitu, tidaklah sukar untuk baiki skor anda.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.imoney.my\/articles\/5-cara-untuk-meningkatkan-skor-kredit-kad-anda-bm\" \/>\n<meta property=\"og:site_name\" content=\"iMoney Malaysia\" \/>\n<meta property=\"article:published_time\" content=\"2012-07-01T00:29:47+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2018-01-12T02:01:25+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/Score_Ranges.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"250\" \/>\n\t<meta property=\"og:image:height\" content=\"236\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"iMoney Editorial\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"iMoney Editorial\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.imoney.my\/articles\/5-cara-untuk-meningkatkan-skor-kredit-kad-anda-bm\",\"url\":\"https:\/\/www.imoney.my\/articles\/5-cara-untuk-meningkatkan-skor-kredit-kad-anda-bm\",\"name\":\"5 Cara Tingkatkan Skor Kredit Anda\",\"isPartOf\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/5-cara-untuk-meningkatkan-skor-kredit-kad-anda-bm#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/5-cara-untuk-meningkatkan-skor-kredit-kad-anda-bm#primaryimage\"},\"thumbnailUrl\":\"\/articles\/wp-content\/uploads\/Score_Ranges.jpg\",\"datePublished\":\"2012-07-01T00:29:47+00:00\",\"dateModified\":\"2018-01-12T02:01:25+00:00\",\"author\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/2dc429bac9840e75ad08ab242c57dcbb\"},\"description\":\"Tanpa skor kredit yang baik, ia akan membebankan anda untuk membuat pinjaman lagi dengan pihak bank. Namun begitu, tidaklah sukar untuk baiki skor anda.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/5-cara-untuk-meningkatkan-skor-kredit-kad-anda-bm#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.imoney.my\/articles\/5-cara-untuk-meningkatkan-skor-kredit-kad-anda-bm\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.imoney.my\/articles\/5-cara-untuk-meningkatkan-skor-kredit-kad-anda-bm#primaryimage\",\"url\":\"\/articles\/wp-content\/uploads\/Score_Ranges.jpg\",\"contentUrl\":\"\/articles\/wp-content\/uploads\/Score_Ranges.jpg\",\"width\":250,\"height\":236,\"caption\":\"Score_Ranges\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.imoney.my\/articles\/5-cara-untuk-meningkatkan-skor-kredit-kad-anda-bm#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.imoney.my\/articles\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Artikel Terkini\",\"item\":\"https:\/\/www.imoney.my\/articles\/category\/artikel-terkini\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"5 Cara Tingkatkan Skor Kredit Anda\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.imoney.my\/articles\/#website\",\"url\":\"https:\/\/www.imoney.my\/articles\/\",\"name\":\"iMoney Malaysia\",\"description\":\"Everything you need to know about improving your personal finances.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.imoney.my\/articles\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/2dc429bac9840e75ad08ab242c57dcbb\",\"name\":\"iMoney Editorial\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/4268d61be86ba47b656e314b503a5c2f?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/4268d61be86ba47b656e314b503a5c2f?s=96&d=mm&r=g\",\"caption\":\"iMoney Editorial\"},\"description\":\"iMoney Editorial Team is composed of 4 writers with wide-ranging interests and areas of expertise. Their primary responsibility is to write financial-related articles to share and educate Malaysians on how to save, make and grow their money.\",\"sameAs\":[\"http:\/\/www.imoney.my\"],\"url\":\"https:\/\/www.imoney.my\/articles\/author\/chinglee\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"5 Cara Tingkatkan Skor Kredit Anda","description":"Tanpa skor kredit yang baik, ia akan membebankan anda untuk membuat pinjaman lagi dengan pihak bank. Namun begitu, tidaklah sukar untuk baiki skor anda.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.imoney.my\/articles\/5-cara-untuk-meningkatkan-skor-kredit-kad-anda-bm","og_locale":"en_US","og_type":"article","og_title":"5 Cara Tingkatkan Skor Kredit Anda","og_description":"Tanpa skor kredit yang baik, ia akan membebankan anda untuk membuat pinjaman lagi dengan pihak bank. Namun begitu, tidaklah sukar untuk baiki skor anda.","og_url":"https:\/\/www.imoney.my\/articles\/5-cara-untuk-meningkatkan-skor-kredit-kad-anda-bm","og_site_name":"iMoney Malaysia","article_published_time":"2012-07-01T00:29:47+00:00","article_modified_time":"2018-01-12T02:01:25+00:00","og_image":[{"width":250,"height":236,"url":"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/Score_Ranges.jpg","type":"image\/jpeg"}],"author":"iMoney Editorial","twitter_card":"summary_large_image","twitter_misc":{"Written by":"iMoney Editorial","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.imoney.my\/articles\/5-cara-untuk-meningkatkan-skor-kredit-kad-anda-bm","url":"https:\/\/www.imoney.my\/articles\/5-cara-untuk-meningkatkan-skor-kredit-kad-anda-bm","name":"5 Cara Tingkatkan Skor Kredit Anda","isPartOf":{"@id":"https:\/\/www.imoney.my\/articles\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.imoney.my\/articles\/5-cara-untuk-meningkatkan-skor-kredit-kad-anda-bm#primaryimage"},"image":{"@id":"https:\/\/www.imoney.my\/articles\/5-cara-untuk-meningkatkan-skor-kredit-kad-anda-bm#primaryimage"},"thumbnailUrl":"\/articles\/wp-content\/uploads\/Score_Ranges.jpg","datePublished":"2012-07-01T00:29:47+00:00","dateModified":"2018-01-12T02:01:25+00:00","author":{"@id":"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/2dc429bac9840e75ad08ab242c57dcbb"},"description":"Tanpa skor kredit yang baik, ia akan membebankan anda untuk membuat pinjaman lagi dengan pihak bank. Namun begitu, tidaklah sukar untuk baiki skor anda.","breadcrumb":{"@id":"https:\/\/www.imoney.my\/articles\/5-cara-untuk-meningkatkan-skor-kredit-kad-anda-bm#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.imoney.my\/articles\/5-cara-untuk-meningkatkan-skor-kredit-kad-anda-bm"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.imoney.my\/articles\/5-cara-untuk-meningkatkan-skor-kredit-kad-anda-bm#primaryimage","url":"\/articles\/wp-content\/uploads\/Score_Ranges.jpg","contentUrl":"\/articles\/wp-content\/uploads\/Score_Ranges.jpg","width":250,"height":236,"caption":"Score_Ranges"},{"@type":"BreadcrumbList","@id":"https:\/\/www.imoney.my\/articles\/5-cara-untuk-meningkatkan-skor-kredit-kad-anda-bm#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.imoney.my\/articles\/"},{"@type":"ListItem","position":2,"name":"Artikel Terkini","item":"https:\/\/www.imoney.my\/articles\/category\/artikel-terkini"},{"@type":"ListItem","position":3,"name":"5 Cara Tingkatkan Skor Kredit Anda"}]},{"@type":"WebSite","@id":"https:\/\/www.imoney.my\/articles\/#website","url":"https:\/\/www.imoney.my\/articles\/","name":"iMoney Malaysia","description":"Everything you need to know about improving your personal finances.","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.imoney.my\/articles\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/2dc429bac9840e75ad08ab242c57dcbb","name":"iMoney Editorial","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/4268d61be86ba47b656e314b503a5c2f?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/4268d61be86ba47b656e314b503a5c2f?s=96&d=mm&r=g","caption":"iMoney Editorial"},"description":"iMoney Editorial Team is composed of 4 writers with wide-ranging interests and areas of expertise. Their primary responsibility is to write financial-related articles to share and educate Malaysians on how to save, make and grow their money.","sameAs":["http:\/\/www.imoney.my"],"url":"https:\/\/www.imoney.my\/articles\/author\/chinglee"}]}},"_links":{"self":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts\/1666"}],"collection":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/comments?post=1666"}],"version-history":[{"count":17,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts\/1666\/revisions"}],"predecessor-version":[{"id":20972,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts\/1666\/revisions\/20972"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/media\/8918"}],"wp:attachment":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/media?parent=1666"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/categories?post=1666"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/tags?post=1666"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}