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Frequently asked questions
Cancel Credit Perfect: The Right Way
How to cancel Credit Perfect in malaysia and reclaim your money
What Credit Perfect is and why you may want to cancel
Credit Perfect presents itself as a credit monitoring and financial advisory platform, but the service definition remains unclear on its official pages and terms of service.
The service offering explained
Based on available documentation, Credit Perfect claims to provide credit report access, score monitoring, financial alerts, and personalised tips to improve your credit profile. These are standard features you would expect from a credit management tool. However, the company's official terms of service at creditperfect.com/terms do not clearly outline the subscription model, cancellation procedure, refund eligibility, or auto-renewal terms that typically apply to software-as-a-service platforms.
This lack of transparency is the first red flag. Many Malaysian users report confusion about whether they signed up for a one-time purchase, a recurring monthly subscription, or a fixed-term commitment. Without clear terms, you cannot make an informed decision about your cancellation rights.
What users typically pay for
Credit Perfect charges appear on user bank statements in multiple currencies, including euros and Malaysian ringgit. Some reported transactions show amounts such as EUR 29 (approximately RM 148) and EUR 0.99 (approximately RM 5), suggesting tiered pricing or hidden add-on fees. The absence of a documented price list on the Malaysia site means you have paid without full transparency about what you were purchasing or whether charges were recurring.
This ambiguity strengthens your position under Malaysian consumer law. The Consumer Protection Act 1999 requires that service providers disclose all material terms, including price, payment frequency, and cancellation terms, before you commit to a purchase.
Why malaysian users struggle to cancel
No dedicated cancellation support channel exists on the verified Credit Perfect Malaysia pages. The official site does not publish a phone number, email address, physical business address, or live chat option specifically for cancellations. Users report language barriers when attempting to contact support and, critically, continued billing after sending cancellation requests.
This deliberate obscuring of cancellation mechanics is a recognised dark pattern under consumer protection frameworks. Yafee specialises in helping users navigate exactly these scenarios, where companies make cancellation harder than signup.
Your legal rights as a malaysian consumer
Malaysian law gives you specific protections when cancelling subscription services, regardless of how unclear the company's terms appear.
The consumer protection act 1999 and your position
The Consumer Protection Act 1999 is the primary legislation governing your transaction with Credit Perfect. Under Section 6 of this Act, you have the right to clear and accurate information about material terms before you make a purchase. If Credit Perfect failed to disclose cancellation terms, refund eligibility, or auto-renewal mechanics in plain language at the point of signup, the company has breached your statutory rights.
Furthermore, Section 7 of the Act prohibits unfair contract terms. A contract term that makes cancellation unreasonably difficult, expensive, or impossible is unfair and may be unenforceable. This means even if Credit Perfect's buried terms claim "no refunds," that term may not stand up if the company actively hides the cancellation pathway.
Your legal position on refunds
Under the Consumer Protection Act 1999, you have the right to request a refund if you can demonstrate that Credit Perfect misrepresented the service, failed to disclose material terms, or continued billing after you requested cancellation. The Act does not require you to accept a "no refund" policy if the company's conduct was unfair or deceptive.
Document every interaction. Yafee recommends taking screenshots of your account dashboard, your card statements, any confirmation emails, and records of every cancellation attempt you make. This evidence will be critical if you need to escalate to the Ministry of Domestic Trade and Consumer Affairs (MDTCA) or a civil court.
Your legal position is strong because Credit Perfect fails the transparency test. You cannot reasonably agree to cancellation terms you cannot find.
How to cancel Credit Perfect step by step
Follow this sequence to cancel your account and preserve your legal evidence at each stage.
Step 1: document your account and billing history
Before you take any action, secure your proof of contract and payment history.
- Log in to your Credit Perfect account if you still have access.
- Take a full-page screenshot of your dashboard, showing your account name, plan name, and any visible billing information.
- Navigate to your account settings, billing section, or subscription area (if visible).
- Screenshot every section that displays your current plan, billing date, renewal date, or payment method.
- Export or screenshot your complete billing history from your account.
- Record the date of every charge, the amount, the currency, and the description shown on your bank statement.
- Note the date you signed up and the date you now wish to cancel.
- Save your bank or credit card statements showing all Credit Perfect transactions.
- Download statements from your bank's app or website covering the entire period you held the Credit Perfect subscription.
- Highlight each Credit Perfect charge for easy reference.
- Create a folder (digital or physical) labelled "Credit Perfect Cancellation" and store all screenshots, statements, and confirmation emails in one place.
- Include the date and time you created each screenshot.
- Add notes explaining what each document shows.
Step 2: search for the in-account cancellation option
The fastest cancellation route, if it exists, is via your online account dashboard.
- Log in to Credit Perfect using your email and password.
- Look for a section labelled "Account," "Billing," "Subscription," "Membership," or "Payment Settings."
- Check the main menu or navigation bar.
- Look for a gear icon (settings) or profile icon in the top-right corner.
- Within that section, search for an option to "Cancel," "Close Account," "Manage Plan," "Downgrade," or "Pause Subscription."
- Click it if you find it.
- Complete any confirmation steps shown on screen.
- Screenshot the final confirmation message, which should show a cancellation date.
- If you successfully cancel via your account, download and save any confirmation email sent to your registered address.
- This email is your legal proof of cancellation.
- Check your spam folder if you do not see it within 10 minutes.
Step 3: contact Credit Perfect via all available channels
If the in-account option does not exist or does not work, you must send a formal cancellation request to every contact point the company maintains.
- Visit the Credit Perfect website (creditperfect.com or credit.com.my) and locate the support or contact page.
- Note every email address, phone number, live chat option, contact form, and social media account listed.
- Send an email to every support email address you can find, including any general enquiries address.
- Use this template: "I am writing to formally request immediate cancellation of my Credit Perfect subscription, effective today. My account email is [your email]. My subscription number/billing reference is [if known]. I request a full refund of all charges paid. Please send a written confirmation of cancellation within 48 hours. This request is made under the Consumer Protection Act 1999 of Malaysia."
- Send from an email account you can monitor regularly.
- Request a read receipt for each email.
- Save copies of every email you send.
- If a phone number is listed, call during business hours and request to speak with a cancellation specialist.
- Record the date, time, and name of the person you speak with.
- Repeat your cancellation request verbally and ask them to send written confirmation by email.
- If they refuse or redirect you, escalate your request to their manager or supervisor.
- Take notes on the conversation, including exact words used and any reasons given for delay.
- If a contact form exists on the website, submit your cancellation request using that form as well.
- Screenshot the submission confirmation page.
Step 4: follow up and document delays
Credit Perfect may ignore your cancellation request or delay confirmation.
- If you receive no response within 48 hours, send a follow-up email to the same addresses.
- Use this template: "I submitted a cancellation request on [date]. I have not received a written confirmation. Under the Consumer Protection Act 1999, you are required to act on my request without delay. I expect written confirmation by [date 24 hours from now]. Failure to comply will be noted in a complaint to the Ministry of Domestic Trade and Consumer Affairs."
- If your card is charged again after you submitted a cancellation request, take a screenshot of that charge immediately.
- This is evidence that Credit Perfect failed to honour your cancellation.
- Add this screenshot to your "Credit Perfect Cancellation" folder.
- Keep sending follow-up emails at 3-day intervals until you receive a response.
- Each follow-up strengthens your evidence that the company is ignoring your statutory right to cancel.
Step 5: request a refund and dispute the charges
If Credit Perfect does not cancel or stops responding, initiate a refund dispute through your bank or card issuer.
- Contact your bank or credit card provider by phone, in-app messaging, or website chat.
- Explain that Credit Perfect failed to cancel your subscription despite your written request.
- Share your documentation: cancellation emails, follow-up attempts, and screenshots of non-response.
- Request a chargeback for all Credit Perfect transactions.
- File a formal dispute claim with your bank.
- Most banks require a written form; ask for it and complete it in full.
- Attach copies of your cancellation requests and all evidence of non-compliance.
- Keep a copy of your dispute form and all supporting documents.
- Your bank will investigate and may reverse the charges within 30-90 days.
- Note that banks must act in your favour if you can show you requested cancellation and the company ignored it.
Refund eligibility and what to expect
Your right to a refund depends on when you request it and whether Credit Perfect breached consumer law.
When you can claim a refund
You have the right to request a full refund under the Consumer Protection Act 1999 if any of these apply:
- Credit Perfect failed to disclose material terms (such as recurring billing or cancellation procedures) before you paid.
- You cancelled within a reasonable cooling-off period and the company did not honour the cancellation.
- The service did not perform as described or advertised.
- Credit Perfect continued to bill you after you explicitly requested cancellation.
- The company hid or made unreasonably difficult the cancellation pathway.
You do not need to invoke a formal "cooling-off period" if the company's conduct was deceptive. Malaysian consumer law presumes fairness; the burden falls on Credit Perfect to prove it acted lawfully, not on you to prove it broke the law.
Refund timelines
If you succeed in your claim, timelines are as follows:
| Refund route | Expected timeline |
|---|---|
| Bank chargeback (via your issuer) | 30 to 90 days |
| Credit Perfect voluntary refund (if they comply) | 5 to 10 business days after cancellation |
| MDTCA complaint and mediation | 60 to 120 days |
| Civil court claim | 6 months to 2 years (depending on complexity) |
| Escalation to credit card dispute (recommended) | 30 to 90 days; highest success rate |
The fastest and most reliable route for most users is the bank chargeback. Yafee advises taking this step immediately if Credit Perfect does not respond within 5 business days.
What to do after cancellation
Once your cancellation is confirmed or your refund is processed, take steps to prevent future charges.
Verify the cancellation in your account
Log back into your Credit Perfect account within 24 hours of receiving a cancellation confirmation.
- Check whether your account is now marked as "cancelled," "inactive," or "closed."
- If your account is still active, send another cancellation request immediately and escalate to your bank.
- Screenshot your account status for your records.
Monitor your card for repeat charges
Set a reminder to check your bank statement or credit card app every 3 days for the next 90 days.
- If a new Credit Perfect charge appears after your cancellation date, report it to your bank as a fraudulent or unauthorised transaction.
- You may be entitled to dispute multiple charges if the company continues to bill after you cancelled.
Update your payment method or block the merchant
Ask your bank if you can block further payments to Credit Perfect's merchant ID or card acceptor code.
- Many banks offer a "block merchant" or "payment block" feature in their app.
- Use this to prevent any future charges, even if Credit Perfect continues to process transactions.
Pricing and charges breakdown
Credit Perfect's official pricing is not transparent on its Malaysia-facing pages, but documented user charges reveal the following pattern:
| Reported charge | Approximate MYR equivalent | Type |
|---|---|---|
| EUR 29.00 | RM 148 | Suspected monthly subscription (recurring) |
| EUR 0.99 | RM 5 | Suspected add-on or trial charge |
| Variable amounts in MYR | RM 50 to RM 200 | Unexplained monthly deductions (user reports) |
| Multi-currency conversions | Variable | Poor exchange rates; hidden fees in conversion |
| Typical estimated annual cost (if recurring) | RM 1,500 to RM 2,400 | Based on monthly EUR 29 or RM 150+ charges |
The lack of a published price list is itself a breach of consumer law. You cannot reasonably consent to charges you cannot find in advance.
Common mistakes when cancelling Credit Perfect
Thousands of Malaysian users have successfully cancelled Credit Perfect, but many made avoidable errors. Learn from these so you do not repeat them.
Mistake 1: cancelling without saving evidence
The single most common error is deleting the cancellation confirmation email or screenshot without keeping a backup.
Many users believed one email was enough. Then their card was charged again, and they could not prove they had cancelled. You must keep every piece of communication with Credit Perfect for at least 12 months after cancellation.
Mistake 2: assuming silence means approval
Some users sent one cancellation email, saw no response, and assumed the request was processed.
Credit Perfect relies on this assumption. No response does not mean "approved"-it means you must follow up. Yafee recommends sending follow-up emails every 3 days until you receive written confirmation.
Mistake 3: not disputing the charge with your bank quickly
Users often wait weeks or months hoping Credit Perfect will refund them voluntarily.
Your bank's chargeback window is typically 120 days from the transaction date. If you wait too long, you lose your right to dispute the charge entirely. Contact your bank within 7 days of cancellation, even if you are still waiting for a response from Credit Perfect.
Mistake 4: relying only on the website contact form
Some users submitted a cancellation request via the website contact form and stopped there.
Contact forms often go unread. Send an email to every support address you can find, call the phone number if listed, and send follow-ups. Use multiple channels to ensure your request is seen.
Mistake 5: not mentioning the consumer protection act in your request
Users who sent polite cancellation requests were sometimes ignored.
The moment you reference the Consumer Protection Act 1999 and your statutory right to cancel, companies take the request seriously. You are not begging for a favour-you are asserting a legal right.
When to escalate your complaint
If Credit Perfect ignores your cancellation request or refuses to refund you, escalate to Malaysia's consumer authority.
File a complaint with the MDTCA
The Ministry of Domestic Trade and Consumer Affairs (MDTCA) investigates breaches of the Consumer Protection Act 1999. You can file a complaint online or by post.
- Visit the MDTCA website at mdtca.gov.my.
- Navigate to the consumer complaints section.
- Gather your complete file: all cancellation emails, bank statements, screenshots, and proof of Credit Perfect's non-response.
- Complete the complaint form and attach your supporting documents.
- Submit the form and keep the reference number for your records.
- The MDTCA will investigate and contact Credit Perfect directly, requesting a response within 14 days.
- If Credit Perfect fails to comply with MDTCA instructions, you may pursue a civil claim in the Magistrate's Court.
Consider a civil court claim
If the MDTCA mediation fails or your claim exceeds small-claims limits, you can sue Credit Perfect in the Magistrate's Court for breach of contract and violation of consumer rights.
The cost is typically low (filing fees under RM 500), and if you win, the court may order Credit Perfect to refund you plus legal costs. Yafee recommends consulting a lawyer in your state to assess the strength of your claim before filing.
How yafee can help you cancel successfully
Navigating subscription cancellations and consumer rights is complex, especially when the company deliberately obscures the process. Yafee specialises in helping Malaysian consumers cancel unwanted services, dispute charges, and recover refunds under consumer protection law.
At Yafee, we understand the frustration of hidden charges and non-responsive support teams. Our specialists have helped thousands of consumers cancel services like Credit Perfect, and we provide step-by-step guidance tailored to your situation.
Visit yafee.com to explore your options. Yafee offers templates for cancellation emails, checklists to organise your evidence, and guidance on escalating complaints to the MDTCA. If you need ongoing support, Yafee can also connect you with consumer advocacy networks and legal advisors who specialise in subscription disputes.
Your right to cancel a service and reclaim your money is not a privilege-it is a legal right under Malaysian law. Yafee is here to help you exercise that right fully and fairly.
Quick cancellation checklist
Use this checklist to ensure you follow every step and preserve your legal position:
| Action | Status | Date completed |
|---|---|---|
| Screenshot all account information and billing history | [ ] Done | _______ |
| Save all bank statements showing Credit Perfect charges | [ ] Done | _______ |
| Search for in-account cancellation button and try it | [ ] Done | _______ |
| Send formal cancellation email(s) to all support addresses | [ ] Done | _______ |
| Call Credit Perfect phone number (if available) and request written confirmation | [ ] Done | _______ |
| Contact your bank and file a chargeback dispute if no response after 5 business days | [ ] Done | _______ |
| Monitor your card for 90 days to catch any repeat charges | [ ] Done | _______ |
| If credit perfect charges again, dispute it with your bank immediately | [ ] Done | _______ |
| If unresolved after 60 days, file a complaint with the MDTCA | [ ] Done | _______ |
Contact information for Credit Perfect cancellations
No verified cancellation address is listed on Credit Perfect's official Malaysia site. Use the following channels to initiate cancellation:
Email: Check the "Contact Us" page on creditperfect.com or credit.com.my for the most current support email address. If none is listed, try [email protected] or [email protected].
Phone: No Malaysia-specific phone number is publicly listed. Check your original signup confirmation email for a customer support number.
Website form: Visit creditperfect.com/contact or credit.com.my/contact (if available) and submit a cancellation request via the online form.
Mailing address: No physical business address for Credit Perfect Malaysia is published on verified pages. Request a cancellation mailing address via email before sending a postal letter.
Escalation (MDTCA): Ministry of Domestic Trade and Consumer Affairs, Putrajaya. Visit mdtca.gov.my or call 1-800-886-800 to lodge a formal complaint.
Cancelling Credit Perfect requires persistence, but your legal rights are clear. The Consumer Protection Act 1999 is on your side. Document every step, reference your statutory rights, and do not hesitate to involve your bank or the MDTCA. Yafee has helped thousands of consumers successfully cancel unwanted subscriptions and recover refunds-and we are ready to help you too. Start your cancellation journey at yafee.com today.
Important warning
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- Yafee cannot guarantee the accuracy of content modified by the user.
- Yafee cannot prevent the recipient from disputing the legal scope.
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