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Replying to @zackhanashia I hope u nmpklah bayangan solution tu..banyak..Balance Transfer, 0%EPP, FPP/IPP...before swipe ada solution, after swipe ada solution. ... Also, CCRIS and CTOS is 2 diff reports. pahamkan apa report ni and ada apa dlm report ni. mende ni tak sama...google je n study. Amik tau..mende ni amongst mende2 asas yg semua adults sepatutnya paham. Susah nak buat loan etc klu reports ni Xpaham.. #financial101 #financialliteracy #banking #creditcard
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