以现在经济统计出80%顾客都是面临债务缠身，尤其是背负重卡债的用户。不是因为不懂理财而是不懂规划，卡债后面其实有隐藏着你看不懂的数目/算法。但当你深入了解原来你已还了不少的冤枉钱，你知道吗！你知道银行个人贷款相对于卡债是有多大的差别，这你又懂多少！要拥有财务自由就应该从现在开始规划，你的债务缠身问题就交给 JCS 来帮你重新规划。

According to the economic statistics, 80% of the public is facing financial problems, especially those having high credit card outstanding. What is outstanding? Outstanding balance is the unpaid portion from your credit card usage. This unpaid portion will be charged 18% interest per annum, late payment charges and finance charges. Most people do not realized how easily credit card debt accumulated.

How to get out of Debt?

That is why we are here for you. We will help you to consolidate your debts in order to reduce your monthly commitment and also to save on interest. By doing so, this will also improve your credit rating and help you make smart financial decisions in future.

Talk to US. Let Our JCS Professional Financial Consultants to help you find the BEST Solutions to Restructure Your Debts.

正为种种财务困难苦恼？让我们帮您解困。

Struggling with financial difficulties? Let us help you out .

Apply Now 马上申请

正为种种财务困难苦恼？让我们帮您解困。

Struggling with financial difficulties? Let us help you out.

Apply Now 马上申请

About Us 关于我们

JC Spark Management

JCS 拥有超过 10年银行贷款与个人理财背景经验，已拥有2间分行。依着顾客个人财务给予对的理财咨询针对个人债务问题提供精准最适合的方案。一个月帮超过 90位顾客解决债务与贷款问题，成功率高达 95% 批准。协助覆盖全马以及提供 1 对 1 VC 线上服务。

JCS is A Leading Financial Consultancy Firm with More than 10 years of experience in Banking and Finance. Currently there are 2 JCS branches based in Penang. We are here to provide professional advice and assist customer to better manage their financials. We specialized in solving our customer’s financial burden. JCS has helped more than 90 customers to solve their debts problems on a monthly basis . We are here to help customers to improve their credit rating in order to get their bank loans approved. Our approval rate is up to 95%. We also provide 1-to-1 Virtual Call for the convenience of our customer.

公司专业服务有：

Our company services include:

• 银行个人贷款 Bank personal loans

• 债务重组 Debt restructuring

• 信用卡重组 Credit card restructuring

• 中小企业贷款 SME loans

• 房屋贷款再融资 Housing refinance

• 分析个人信贷报告 CTOS report service

填写表格
Fill in the Form

分析报告
Analysis Report

审核资料
Check Data

提交申请
Submit Application

领取贷款
Get the Loan

OUR SERVICES 我们的服务

Personal Loan

什么情况下要申请个人贷款！不是因为需要而是可以很多用途，如：重组债务/卡债，扩大生意，私人用途，旅行，医药费，维修屋子，学费等～聪明的你如有计划肯定可以拿来投资，让钱赚钱。

How can Personal loan help us?

Personal loan can help you to :
Restructure your bank debts /credit card debts.
Consolidate all your debts into 1 account.
Reduced your monthly commitment.
Save on Interest
Cash rolling for business expansion.
Standy cash in case of emergencies such as hospitalization, medical expenses, education fees, renovation cost and etc.
Investment, leverage your money to create wealth.

SME Loans / Refinance

这也是可以帮助你重组债务/卡债，扩大生意，私人用途，不排除其他如以上。

What is SME Loan?

Tailor-made Loans for Small & Medium-Sized Enterprise Businesses.

Why do you need this Loan?

To Finance your growing business
To Fund Your Existing Business (Buy machinery and etc)
Maintain A Healthy Cash Flow

Credit Card Restructure

因你的卡债你无法申请贷款的期间却又要保持信贷记录良好就必须做卡债重组，不只可以停止银行利息的滚动还可以保持着良好记录在国家银行信贷报告

Having A Hard Time to Pay For Your Debts?

Time to restructure Your Credit Card.

Credit Card Restructuring helps you to improve your CCRIS/CITOS scoring.
The amount will be converted a separate loan amount.
Helps you to pay off your debts faster.

AKPK

AKPK (Kaunseling dan Pengurusan Kredit) is an agency set up by Bank Negara Malaysia.

AKPK is set up to help and educate individuals to regain control of their financial situations.

For those who is on the brink of bankruptcy can sought for AKPK’s services.

AKPK can help to develop a personalized debt repayment plan.

The disadvantage of AKPK

CCRIS states that you are under AKPK.
Credit lines such as credit cards , personal loan, overdraft and etc ARE all WITHDRAWN.
UNABLE to obtain new credit.

AKPK is always the last option. That is why we are here to help.

To find out MORE, just give us a call.

The SOLUTION is at your FINGERTIP.

OUR SERVICES 我们的服务

Personal Loan

什么情况下要申请个人贷款！不是因为需要而是可以很多用途，如：重组债务/卡债，扩大生意，私人用途，旅行，医药费，维修屋子，学费等～聪明的你如有计划肯定可以拿来投资，让钱赚钱。
Below what circumstance should apply for individual loan! Not because it’s needed but because it can be used in many ways, Restructuring debt/credit card debt, expanding business, personal use, travel, medical bills, house repairs, school fees, etcIf you have a plan, you can invest it and make money.

SME / Refinance

这也是可以帮助你重组债务/卡债，扩大生意，私人用途，不排除其他如以上。
This can also help you restructure your debit/credit card debt, expand your business, private use, and not exclude others such as the above

Credit Card Restructure

因你的卡债你无法申请贷款的期间却又要保持信贷记录良好就必须做卡债重组，可以停止银行利息的滚动却又能保持良好在国家信贷记录。
Because of your credit card debt you can not apply for a loan but to maintain a good credit record must do a credit card restructuring, can stop the bank interest rolling but still maintain a good credit record in the state.

AKPK

它是一个国家银行的债务管理机构，当你的债务连以上的方式也帮助不到却不想成为 Bankrupcy 就是它能来帮你重组所有的债务，当你要做出决定先看回以上的方案一尝试了没。不要冲动因为它是会让你在短期内都被列入黑名单。你不懂可以问，因为每一个方式都有它的好处和帮助到你。不要等到问题变恶化了才寻找方案这一却都太迟了，那时候就容易被陷入诈骗的圈套。不管遇到什么贷款问题可以寻找 JCS的专业协助你，我们会用专业以及细节化的方式来一一解答你的问题。
It is the debt management agency of a national bank when your debts are linked above The way it doesn’t help but doesn’t want to be Bankrupcy is that it can come To help you restructure all your debts, go back to Plan 1 above before you make a decision Have you tried. Don’t act on impulse because it will put you on the blacklist in the short term. If you do not understand, you can ask, because each way has its benefits and help to you. Don’t wait for the problem to get worse before looking for a solution when it’s too late Be vulnerable to fraud. No matter what loan problems can you look for JCS professional assistance, we will use a professional and detailed way to help you Answer your questions one by one.

OUR SERVICES 我们的服务

Personal Loan

Below what circumstance should apply for individual loan! Not because it’s needed but because it can be used in many ways, Restructuring debt/credit card debt, expanding business, personal use, travel, medical bills, house repairs, school fees, etcIf you have a plan, you can invest it and make money.

SME / Refinance

这也是可以帮助你重组债务/卡债，扩大生意，私人用途，不排除其他如以上。

This can also help you restructure your debit/credit card debt, expand your business, private use, and not exclude others such as the above

Credit Card Restructure

因你的卡债你无法申请贷款的期间却又要保持信贷记录良好就必须做卡债重组，可以停止银行利息的滚动却又能保持良好在国家信贷记录。

Because of your credit card debt you can not apply for a loan but to maintain a good credit record must do a credit card restructuring, can stop the bank interest rolling but still maintain a good credit record in the state.

AKPK

It is the debt management agency of a national bank when your debts are linked above The way it doesn’t help but doesn’t want to be Bankrupcy is that it can come To help you restructure all your debts, go back to Plan 1 above before you make a decision Have you tried. Don’t act on impulse because it will put you on the blacklist in the short term. If you do not understand, you can ask, because each way has its benefits and help to you. Don’t wait for the problem to get worse before looking for a solution when it’s too late Be vulnerable to fraud. No matter what loan problems can you look for JCS professional assistance, we will use a professional and detailed way to help you Answer your questions one by one.

我们的顾客 Our Customer

Our Dearest customer Ms Uma: I would like to give 10/10 acknowledgement to JC Spark Mgmt. I would highly recommend them and their services to assist anyone who has got financial consolidation issue or planning. These consultants have helped settle my issues during short span of time and efficiently without any hick ups. They are professional and I would highly recommend them to resolve any of our financial issues and give us peace of coming into my life and helping me at the right time when I was struggling at my peak. Thank you Ms Vivian and team. You guys have been a great inspiration to me. I will confidently recommend my friends moving forward to your agency.