Do you have any bank loans OR credit cards for more than 6 months?

Yes, i have bank loan OR credit card for more than 6 months

No, don't have bank loan OR credit card or less than 6 months

In the past 12 months, do you have any bank loan OR credit card that has late payment for 2 months in a row?

No, never missed payment 2 months in a row.

Yes, have late payment 2 months in a row

No bank loan OR credit card or less than 6 months

Company type

Private Company / Sdn Bhd / GLC / MNC

Federal Government

Business Owner

Others (State Government / GLC / Commission Earner / and others)