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From: Your CTOS Team <marketing@marketing.ctos.com.my>
To: ramesh@saraya.com.my
Subject: How to avoid late payments & protect your credit
Date: Wed, 13 Jan 2021 17:08:37 +0000 (UTC)
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MALAY [http://xmgz5.mjt.lu/nl2/xmgz5/5rwku.html?hl=3Den]

Late or missed payments will have a negative impact on your credit health. =
For instance, if you miss your monthly credit card or loan repayments, it w=
ill show up in your CCRIS record and will lower your credit score. This may=
 impact your ability to get your next loan. Not only that, you=E2=80=99ll h=
ave to pay extra for late payment fee!

Here are 3 tips on how to avoid late payments and protect your credit:

Learn more. [https://ctoscredit.com.my/learn/how-to-avoid-late-payments-pro=
tect-your-credit/]
<<Get MyCTOS Score Report>> [https://ctosid.ctos.com.my/ctosid_new/LoginPag=
e?utm_source=3DEmail%20Digital%20Marketing&utm_medium=3DEmail&utm_campaign=
=3DEmail%20Digital%20Marketing]

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;word-break:break-word;"><div style=3D"font-family:Arial, sans-serif;font-s=
ize:14px;letter-spacing:normal;line-height:1;text-align:left;color:#000000;=
"><p class=3D"text-build-content" style=3D"text-align: center; margin: 10px=
 0; margin-top: 10px;" data-testid=3D"kkUgSKIOd"><span style=3D"font-family=
:Arial;font-size:14px;line-height:20px;">Late or missed payments will have =
a negative impact on your credit health. For instance, if you miss your mon=
thly credit card or loan repayments, it will show up in your CCRIS record a=
nd will lower your credit score. This may impact your ability to get your n=
ext loan. Not only that, you=E2=80=99ll have to pay extra for late payment =
fee!</span></p><p class=3D"text-build-content" style=3D"text-align: center;=
 margin: 10px 0; margin-bottom: 10px;" data-testid=3D"kkUgSKIOd"><span styl=
e=3D"font-family:Arial;font-size:14px;line-height:20px;">Here are 3 tips on=
 how to avoid late payments and protect your credit:</span></p></div></td><=
/tr></table></div></td></tr=
></tbody></table></div><div style=3D"background:#f=
fffff;background-color:#ffffff;margin:0px auto;max-width:600px;"><table ali=
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0px;padding-bottom:0px;word-break:break-word;"><div style=3D"font-family:Ar=
ial, sans-serif;font-size:14px;letter-spacing:normal;line-height:1;text-ali=
gn:left;color:#000000;"><p class=3D"text-build-content" style=3D"line-heigh=
t: 22px; text-align: center; margin: 10px 0; margin-top: 10px; margin-botto=
m: 10px;" data-testid=3D"eJ-ok5FNA"><a class=3D"link-build-content" style=
=3D"color:inherit;; text-decoration: none;" target=3D"_blank" href=3D"http:=
//xmgz5.mjt.lu/lnk/AM8AAJCiNekAAchjjzoAALFa2t8AAYCr38QAm8GnAA8SVABf_ykY2uSx=
PRAUSiiJyT43qRjFLAAO3hE/1/Gi9O7drpxHO1Fvkl7qmxSg/aHR0cHM6Ly9jdG9zY3JlZGl0Lm=
NvbS5teS9sZWFybi9ob3ctdG8tYXZvaWQtbGF0ZS1wYXltZW50cy1wcm90ZWN0LXlvdXItY3JlZ=
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10px 25px 10px 25px;background:#ed1c24;" valign=3D"middle"><a href=3D"http:=
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1fc291cmNlPU1haWxqZXQ" style=3D"display:inline-block;background:#ed1c24;col=
or:#ffffff;font-family:Arial, sans-serif;font-size:15px;font-weight:normal;=
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