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        <title>Lowyat.NET: Latest topics by cmxPIE</title>
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        <lastBuildDate>Fri, 12 Jun 2026 20:01:03 +0800</lastBuildDate>
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            <title>CTOS SCORE</title>
            <link>http://forum.lowyat.net/topic/5505511</link>
            <description>Hi all gurus...&lt;br /&gt;&lt;br /&gt;i do check my ctos score once every 3 months from last year Feb.&lt;br /&gt;and i notice my score is below satisfaction despite i do not own any loan for years. I do not own even phone bill. &lt;br /&gt;I did have car loan in the past but ive cleared it by mid 2023. &lt;br /&gt;the score do not increase for 6 months.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Any master can share how it works?&lt;br /&gt;Looking to get housing loan, scare it will affect my interest rate.&lt;br /&gt;</description>
            <author>cmxPIE</author>
            <category>Finance, Business and Investment House</category>
            <pubDate>Tue, 21 Jan 2025 10:27:43 +0800</pubDate>
        </item>
        <item>
            <title>Apply for Credit Card</title>
            <link>http://forum.lowyat.net/topic/5470268</link>
            <description>I want to get my first credit card now, but not sure how. &lt;br /&gt;As I&amp;#39;m working in SG and seldom (once every 4-5 months) going back Malaysia / JB.&lt;br /&gt;&lt;br /&gt;May all gurus enlighten me how to for working oversea to apply and which bank give fastest approval?&lt;br /&gt;&lt;br /&gt; - I do not have EPF record in MY&lt;br /&gt; - First timer&lt;br /&gt; - Looking for points rewards  / travel rewards&lt;br /&gt;</description>
            <author>cmxPIE</author>
            <category>Serious Kopitiam</category>
            <pubDate>Fri, 19 Jul 2024 10:07:41 +0800</pubDate>
        </item>
        <item>
            <title>Local scawie sitowi</title>
            <link>http://forum.lowyat.net/topic/5451909</link>
            <description>anyone happen to know where or any sites to read for local hantu hantu like sharing by local experience ghost sitowie?&lt;br /&gt;&lt;br /&gt;Want to write off something for upcoming 2024 halloween custome.&lt;br /&gt;&lt;br /&gt;Thanks all troller come in my post say hi.</description>
            <author>cmxPIE</author>
            <category>Kopitiam</category>
            <pubDate>Tue, 16 Apr 2024 12:40:47 +0800</pubDate>
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            <title>Is it too late for diploma in early 30&amp;#39;s</title>
            <link>http://forum.lowyat.net/topic/5356946</link>
            <description>As from the title and I&amp;#39;m entering my 30&amp;#39;s this year and start having thought of getting my diploma and further degree now.&lt;br /&gt;I passed my SPM decade back and then been working since. &lt;br /&gt;Currently working in SG under logistic operation &amp;amp; customer exe (nvocc, forwarding) sector.&lt;br /&gt;&lt;br /&gt;Been looking for any online course for a while and truly interested in diploma in BA. &lt;br /&gt;Still, is it too late to enroll into it?&lt;br /&gt;&lt;br /&gt;Having dilema think that i would finish my degree when i reach late 30&amp;#39;s.&lt;br /&gt;</description>
            <author>cmxPIE</author>
            <category>Education Essentials</category>
            <pubDate>Fri, 17 Feb 2023 11:12:56 +0800</pubDate>
        </item>
        <item>
            <title>YTL vs VIEWQWEST</title>
            <link>http://forum.lowyat.net/topic/5048754</link>
            <description>Hi all, recently I moved to new place and sadly the area did not covered by TM and management only say these 2 service the only available in the area. &lt;br /&gt;Can all gurus recommend?&lt;br /&gt;&lt;br /&gt;called to ViewQwest for information. they sound quite good with no upfront and 1st bill will only shows for monthly payment without any installation fee. but need to wait for 1 week for arrangement. &lt;!--emo&amp;:shock:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/shocking.gif' border='0' style='vertical-align:middle' alt='shocking.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:shock:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/shocking.gif' border='0' style='vertical-align:middle' alt='shocking.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>cmxPIE</author>
            <category>Networks and Broadband</category>
            <pubDate>Wed, 28 Oct 2020 09:38:17 +0800</pubDate>
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