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Cache
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Capital guaranteed product
A product that provides a return while at the same time provide capital guarantee at the end of maturity.
Cash Advance
Cash withdrawn using credit card where a fee and daily interest rates apply.
Cash Back Rebate
A form of loyalty programme which gives cardholders a cash rebate based on the amount charged to credit cards on purchases.
CCRIS
Central Credit Reference Information System, which is a computerised database system developed and maintained by the Credit Bureau to collect, process, store and generate credit information.
CDS (Central Depository System) Account
It is an account opened under the investor’s name (applicant must be at least 18 years old) with a stockbroking company. This account will enable the investor to buy and sell shares and to carry out activities on other non-equity counters (i.e bonds, warrant,loan stock,etc) which are under CDS.
Charge Card Issuer
An institution that is authorised to issue charge cards either under a common brand or its own brand name. 
Charge Card Payment Scheme
An institution or association (e.g. American Express, Diners Club and MasterCard) that provides the necessary charge card infrastructure that facilitates authorisation and settlement of charge card transactions. 
Cheque
A written order from one party (the drawer) to another (the drawee, normally a bank) requiring the drawee to pay a specified sum on demand to the drawer or to a third party specified by the drawer.
Clearing
The process of exchanging cheques to establish final positions for settlement among the drawee banks.
Collateral
Legal property, fixed deposits or other tangible securities charged to the financial institution for loan granted.
Commercial Banks
Banks licensed under the Banking and Financial Institutions Act 1989 (BAFIA) by Bank Negara Malaysia.
Commitment Fee
A fee charged by the banking institution for setting aside funding that are not utilised by the borrower. Usually only applicable to overdraft facility.
Compensation Charges
A penalty charged by Islamic banking institutions for late payment of instalment.
Comprehensive Insurance
Motor insurance policy which provides protection:

  • Against legal liability for death or bodily injury and property loss or damage to the third party
  • Against loss or damage to the motor vehicle arising from accident, fire, theft and other loss or damage as stated in the insurance policy
Contract of Guarantee
An agreement whereby the guarantor guarantees to settle the outstanding debts of the borrower in case the borrower fails to pay back the loan.
Corporate bond
A debt instrument for a loan which is issued by a borrower to an investor who is the buyer of the bond and lender of the money. In return for the money, the issuer agrees to pay regular interest to the bondholder for the term of the loan and the principal sum borrowed upon maturity.
Credit Application
An application to a banking institution for credit facility by a customer.
Credit Bureau
The "credit bureau" established by Bank Negara Malaysia pursuant to Section 30(1)(mmm) of the Central Bank of Malaysia Act 1958.
Credit Card Issuer
Organisations such as banking institutions, which issue the credit cards. 
Credit Card Payment Scheme
A credit card association (e.g. Visa and MasterCard) which provides the necessary credit card infrastructure that facilitates authorisation and settlement of credit card transactions. 
Credit Information
Data or information on a customer, including data or information on any credit facility granted by any banking institution to the customer.
Credit Report
A report generated by the CCRIS that contains credit information.