Q
how to check car loan balance of public bank without an account
Need to check your Public Bank car loan balance but don’t have an account with them? No worries. Just give their customer service hotline a ring at 03 - 2176 8000 – have your loan agreement number or IC ready, and the friendly folks there will help you out. Alternatively, swing by any nearby Public Bank branch with your loan contract and original ID to sort it out in person. If you’ve ever signed up for Public Bank’s PB engage online service (you don’t even need a savings account for this!), just log in and you can view all your loan details straight away. Quick tip: most major banks in Malaysia, like Maybank and CIMB, offer similar inquiry services – they’ll usually ask for your loan number or IC to verify your identity, standard stuff. It’s smart to keep tabs on your loan balance regularly to stay on top of your repayments. Missing a payment could damage your CCRIS credit score, and you don’t want that. If you haven’t already, think about setting up the bank’s electronic services. It’s a game - changer – not only can you check your balance anytime, but you can also access payment history, download settlement letters, and handle all your loan administration hassle - free. And hey, when your loan’s almost paid off, don’t forget to ask the bank for the Letter of Release (to lift the mortgage) and the car’s Grant. You’ll need those to wrap up all the final paperwork and truly own your ride free and clear.
Special Disclaimer: This content is published by users and does not represent the views or position of PCauto.
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Q
Can I run my ceramic coated car through a car wash?
Vehicles with a coating can be washed normally, but special attention should be paid to the maintenance period after application and daily cleaning methods. Car washing should be avoided for 7 to 14 days after coating to ensure the silicon components fully cure and form a protective layer; if the environment is dry, a minimum waiting period of 48 hours is required. If the vehicle becomes excessively dirty during this time, it may be gently wiped with a slightly damp microfiber cloth—use of high-pressure washers or stiff brushes is strictly prohibited. For regular washing, use a pH-neutral car shampoo, as alkaline cleaners will degrade the coating. Hand washing is recommended to avoid scratches from automatic car wash rotating brushes. Maintain a distance of at least 30 cm between the spray nozzle and paint surface, keep water temperature below 35°C, and rinse from top to bottom to minimize water spotting. When parking, avoid areas prone to falling corrosive substances (such as under trees), and have the coating inspected quarterly. Professional maintenance can extend protection beyond 12 months. Note: postpone washing during rainy seasons or when temperatures exceed 30°C, as extreme conditions may compromise coating integrity.
Q
How much does a 7 year ceramic coating cost?
The price of 7-year ceramic coating typically ranges from 3000 to 8000 Malaysian Ringgit, with the exact cost depending on product quality, vehicle size, and application techniques. High-end ceramic coatings use silica or glass-based components, with a hardness of over 8H, effectively resisting acid rain, ultraviolet rays, and moderate scratches, and offering a protection period of 5 to 7 years. The application process includes paint polishing and operation in a dust-free workshop, making it suitable for luxury vehicles or car owners seeking long-term protection. Mid-range products cost approximately 1500 to 3000 Malaysian Ringgit with a protection period of 3 to 5 years, suitable for mid-to-high-end sedans. Price differences are mainly influenced by brand premiums (e.g., imported products), application complexity (SUVs cost 20%-30% more than sedans), and shop certifications. It is recommended to choose professionally certified shops and request product testing reports to avoid paint oxidation caused by inferior coatings. For daily maintenance, avoid using strong alkaline car wash detergents, and a coating maintenance treatment can be performed every six months to extend its effectiveness.
Q
Why do car manufacturers not do ceramic coating?
Automakers have not widely adopted ceramic coatings mainly due to considerations of cost control, production process compatibility, and market demand balance. Although ceramic coatings offer advantages such as high hardness, corrosion resistance, and self-cleaning properties, their application requires specialized construction environments (e.g., dust-free workshops) and complex pretreatment (e.g., paint surface degreasing and polishing), which conflicts with vehicle manufacturers' efficient assembly line operations. Taking the Tata Safari as an example, its ceramic coating service is priced at approximately 2,500 rupees and requires completion through independent after-sales channels, highlighting the economic challenges of direct OEM integration. From a technical perspective, while nano-ceramic coatings' MSDS certification and inorganic compound properties can enhance body protection, large-scale application may compromise compatibility with existing electrophoretic coating systems. At the market level, local brands like Proton and Perodua tend to prioritize meeting basic needs, leaving advanced protective functions to third-party modification markets—a division of labor that better aligns with current consumer expectations for cost-effectiveness. Notably, the 3-year efficacy of ceramic coatings in Malaysia's hot and rainy climate still requires long-term validation, which may be another factor contributing to automakers' cautious stance. As local assembly plants increasingly emphasize differentiated services, more brands may follow Tata's approach by offering value-added coating solutions through authorized dealerships in the future.
Q
Is there a downside to ceramic coating?
Although ceramic coating offers advantages such as high hardness, strong hydrophobicity, and long-lasting protection, it still has some limitations. First, the application must be carried out by professionals in a dust-free environment. If the environment is substandard or the technique is not standardized, impurities or bubbles may appear in the coating layer, affecting the performance and even damaging the car paint. Second, the coating cannot enhance the physical hardness of the original car paint, and its protection against scratches from hard objects or impacts is limited. Moreover, after local damage, the entire surface needs to be repaired, resulting in high maintenance costs. The cost of each re-coating ranges from approximately 500 to 2000 Malaysian Ringgit. In addition, although the glossiness of ceramic coating is superior to that of ordinary coatings, it is still slightly inferior to glazing products. Car owners seeking the ultimate mirror-like finish may need to consider this trade-off. It is worth noting that the coating's effectiveness will diminish over time, and re-application is typically required after 2 to 3 years, so the long-term cost of ownership should be factored in. It is recommended that car owners select the coating type based on the vehicle's operating environment (such as rainy or high-temperature regions) and budget, while prioritizing certified installation centers to ensure quality.
Q
Can you see out of ceramic tint at night?
High-quality ceramic films provide clear visibility at night, with light transmittance typically maintained between 5% and 75%. The mainstream light transmittance of front windshield films ensures it is ≥70%, fully complying with the regulatory requirements for safe driving. Compared with films containing metal components, ceramic films use non-metallic materials such as titanium nitride, resulting in significantly lower reflectivity, which avoids the problem of glare at night. At the same time, the uniform distribution of nano-ceramic particles ensures efficient light transmission, so the driver's observation of road conditions will not be affected by insufficient light. It is worth noting that some dark-colored side window or rear windshield films may have lower light transmittance, but regular brand products will clearly indicate the parameters. It is recommended to choose models with light transmittance ≥35% to ensure nighttime safety. In addition, the stability of ceramic films allows them to maintain their initial light transmission performance after long-term use, without the problem of decreased light transmittance caused by oxidation as seen in metal films. If you have higher requirements for night vision, you can prioritize ceramic film products with photochromic technology. Such films can automatically adjust the light transmittance according to ambient light, further enhancing clarity at night.
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