When it comes to making major life decisions such as buying a car, applying for a home loan, or even signing up for certain credit cards, one of the most important things banks and financial institutions look at is your credit score. In Malaysia, this score is like a report card that reflects how responsible someone has been with their money. Many people overlook this part of financial health until the very moment they need it most—only to realise that it could be the deciding factor in whether a loan is approved or rejected.
BigPay Malaysia, a digital financial platform known for making financial management more accessible, has teamed up with CTOS to help individuals take charge of their financial health in a smarter way. From 8 September until 8 December 2025, BigPay users can now access the MyCTOS Score Report directly on the BigPay app. What makes this promotion even better is the exclusive discount: by applying the code CTOSBP25, users will enjoy RM5 OFF their credit report purchase.
This might sound like a small saving at first glance, but let’s dive deeper into why this deal is worth the attention, and why it is essential for Malaysians who want to stay ahead in their financial planning.
Why Checking a Credit Score Matters
A credit score is not just a number. It represents how financially trustworthy a person appears to lenders. For example, if someone has consistently paid bills on time, avoided too much debt, and managed loans responsibly, their score would reflect positively. This makes it easier to secure approvals for mortgages, personal loans, or even car financing. On the other hand, if payments have been delayed or debts have piled up, the score might lower, leading to potential rejections or higher interest rates.
By regularly checking their CTOS report, individuals can gain a clearer picture of where they stand financially. It helps in identifying errors, spotting suspicious activities (such as unauthorised loans or identity theft), and knowing areas to improve before applying for any financial products.
Why This BigPay Promotion is Beneficial
Here are a few reasons why this campaign stands out as one Malaysians should not miss:
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Convenience at Your Fingertips
Traditionally, getting a CTOS report might have required a separate process, but with this integration into the BigPay app, users can now manage their credit health without the hassle of going through multiple platforms. Everything can be done within one app that many Malaysians already use for payments, transfers, and financial tracking. -
RM5 Discount Through BigPay
While RM5 might appear minor, it is still a real saving, especially when paired with the simplicity of accessing the report directly. Over time, such savings can add up—especially for those who check their report regularly to maintain good credit health. -
Early Preparation for Major Purchases
If someone plans to buy a new car in the coming months, this is the perfect chance to know where their credit stands before walking into a dealership. Knowing their score in advance prevents unexpected surprises and gives them the confidence to negotiate better financing terms. -
Financial Awareness Made Simple
Many people avoid looking at their credit score because they fear the unknown. By offering an affordable and accessible way to check, BigPay and CTOS are breaking down barriers and encouraging Malaysians to be proactive about financial health.
Why Everyone Should Take Advantage of This Promotion
This is not just a promotion for those who are currently applying for a loan. Even if someone does not have immediate plans to purchase a property or car, keeping track of financial health is always a wise move.
Consider this: credit reports can sometimes contain errors. For instance, a loan might be listed as unpaid even if it has already been settled. By spotting these mistakes early, individuals can file corrections and avoid being unfairly penalised when applying for future loans.
Another important factor is identity theft. In today’s digital world, cases of fraud and unauthorised borrowing are more common than many realise. By checking their report regularly, individuals can detect unusual activities early and take action before the situation escalates.
This promotion offers a gentle push for Malaysians who might otherwise ignore their credit health. With a discount incentive and the ease of accessing it through a familiar app, there’s really no excuse not to take advantage of it.
How to Use the Promotion Code
The steps to enjoy the discount are simple and straightforward:
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Open the BigPay app.
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Navigate to the MyCTOS Score Report section.
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Select the option to purchase the report.
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Enter the promo code CTOSBP25 before making payment.
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Instantly enjoy RM5 OFF.
That’s it—no complicated forms or lengthy processes. Within minutes, a detailed report will be available to view.
A Smarter Approach to Financial Planning
Taking charge of one’s credit health is no longer just about loan applications. More employers, landlords, and even utility companies may take credit history into account when making decisions. By staying ahead, individuals protect themselves from unpleasant surprises in the future.
This collaboration between BigPay and CTOS is not just about selling reports—it is about promoting financial literacy and responsibility. It empowers users to make informed decisions, build stronger financial habits, and ultimately create a more stable financial future.
Final Thoughts
From now until 8 December 2025, Malaysians have the opportunity to not only check their credit score with ease but also enjoy a little saving while doing it. BigPay’s initiative is a reminder that small steps, such as regularly reviewing a credit report, can make a big difference in the long run.
Instead of waiting until the last minute when applying for a loan, take advantage of this promotion to understand your financial standing today. With the simple use of the promo code CTOSBP25, you can get RM5 off and start managing your credit health more confidently.
This is one of those promotions that may not look flashy on the surface but carries significant long-term value. For anyone serious about financial stability and future planning, this deal is absolutely worth seizing.
Promotional/Event Details:
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Date: 8 September-8 December 2025
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Time: All day, available via BigPay app
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Venue: BigPay App (MyCTOS Score Report section)
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Source: BigPay Facebook Post
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