Dont think its CCRIS. Could be age factor.. How old are you?

My cousin young mid-20s with not so good CCRIS (car loan ok, PTPTN loan haven't been paying) apply and system auto approved.

Cousin's mother senior citizen mid-60s with good CCRIS apply but system auto rejected.

This post has been edited by Optizorb: Aug 23 2025, 04:14 PM

If you can find any naïve friend like that, sure.

LHDN say thank you to your friend. More sales/profit = more tax

This post has been edited by Optizorb: Aug 23 2025, 04:40 PM

you need read few pages back regarding this.

tldr: magic number is still 60.84 but it only works if you open/close pockets daily.

yes 60.84 x9 and yes daily close/open 9 pockets..

Initially i was doing it for testing purposes only, didn't intend to keep doing it after sharing with you guys..
But because ryt ui kinda on-point. Its quite easy to do the closing/opening. Takes about 1 min to close 9 pockets and another 1 min to open 9 pockets.. so i end up kept doing it daily LOL

ryt pocket i left 19892.50 - (60.84*9).. Cause interested to get the 3%+1%.. but if you not interest about it then yeah main account and ryt pocket no need to bother..
the daily 9 cents i just transfer it to the ryt pocket.. initially daily from 1.59 now also become 1.60 dy because of the total interests accumulation

This post has been edited by Optizorb: Aug 29 2025, 11:15 PM

main account i leave 0. cause its just 3% and no rounding up..

i put in atlas for 3.88%

This post has been edited by Optizorb: Sep 1 2025, 07:08 PM

I never used same pocket name before. But if you tested and it works, then it should work i guess.

If can recycle the name will be better. Cause currently im doing 1a-9a, 1b-9b.. It will be much easier to just 1-9

naisu. so i can just use back 1-9 and no need headache what is the next alphabet

no need so long la

i close 9 pockets all fund auto transfer to main acc, takes less than 1 min to complete..

then open another 9 pockets (my order is: open pocket > name the pocket > SKIP goal > fund 60.84 select main account > done) repeat x9, then at the end select ryt pocket move in 9 cents from main account.

Previously i need type 1a 2a 3a 4a, also can be done in 1 min.. Now will be even faster since can just 1 2 3 4

This post has been edited by Optizorb: Sep 3 2025, 05:10 PM

ATM withdrawal was declined but the money in Ryt still got deducted..

it will deduct the RM1 fees and reimburse later.

If you want to withdraw 100, you need to have 101 balance.. Otherwise cant go through it will say insufficient balance..

This post has been edited by Optizorb: Nov 2 2025, 01:05 AM

Gonna move back to KDI for 3.9225% after 30 Nov..

Dont think wanna stick with Ryt, have to spend min RM30 for the first month to maintain 4%, and subsequent months will be RM50...

For 20k, 4% vs 3.9225% diff is only about RM1.27.. Meanwhile need spend RM30/50 to get it.. So yeah totally not worth

This post has been edited by Optizorb: Yesterday, 01:15 PM