Now every year must give rm50 for nothing to goverment for each credit card owned..And they are emphasising on helping people clear credit card debs..haha

Since i use card heavilly like buying house, car etc, i thought bank can adsorb the rm50. Its a nuisance to pay for cards we dont even use, Not sure where to pay in the first place for cards like Alliance. Not many branch around. Or maybe I didnt notice their banks..hehe

buying house & car using credit card? or you mean paying credit card & house monthly using cc? there is no hire-mortgage that accept credit card in the first place..

unless you pay for booking fee using credit card; and u mention heavily i assume every few months u buy a new house?????

Not paying for full morgage la. Just the intial d/p of 10%, or booking fees or whatever la..Its heavy to me since its personal use and cant claim from company..

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Added on March 10, 2011, 1:21 pmYa every year few houses...Change house more than change car... jk

This post has been edited by henryhing: Mar 10 2011, 01:22 PM

After complaining to Alliance Bank, finally Alliance Bank sent me letters of confirmation of card cancellation for all the previous 3 cards I had with Alliance Bank. I will go to BNM again next month to check whether all the 3 cards are still in my credit report.

I din check my CCRIS since JUNE 2010 so I went there yesterday but arriving late.
I will try to check next friday after working.
I want to confirm my Alliance CC canceled APRIL 2010 still in my CCRIS or not.

i can confirm my CCRIS did not contain my cancelled cards from HSBC, CITI, DA/CIMB and HLB

I confirm that my Alliance Bank Credit Card which canceled in last year April still exist in my CCRIS.
I went to Alliance Bank Branch to check and found out that the 2 balance transfer account are still active even I have canceled the card and settle all the outstanding balance.
The CS said she will settle it for me asap.
I believe that the problem occurs due to my previous balance transfer.

This post has been edited by choonkeong: Mar 25 2011, 09:52 PM

Normally once you apply a credit card, you will have a record with CCRIS for your entire life(this is what the bank officer told me) so even if you cancel,the record will still be there.

Wait 1 year the ccris will clear.
If ctos different story

For CCRIS:
If closing the account, the record will disappeared immediately.
If not closing the account, the old record more than 12 months cannot be seen (including the bad record)
There is no such thing of entire life.
Anyway I am working in a bank for more than 5 years.

Should I worry about Alliance & Citibank CC which I cancelled more than 2 years ago appearing in my CCRIS ?

Lazy to go to BNM just to print the CCRIS

Wait until got problem (unauthorized loan/cannot get loan/etc.) that time only go to BNM check CCRIS lor.

Advice u to check. Later u apply eg housing loan.. They see u still
Got facility eg credit card with that particular bank. Some times the bank may forget to update

FYI, my Alliance Bank Credit Card is no longer in my CCRIS but only the 2 balance transfer account number still in my CCRIS after almost 1 year.

I kena also. just want to get a car loan and found out got SAA.
when i call the collection dept, they tell me oh,,because you settle your outstanding after 6 month so put u under SAA. problem is the card doesn't have any trx for > 2 years, and i had call to cancel it. and suddenly get a statement from no where.

so make sure your creditcard is really CANCELED....

This post has been edited by aquamax: Jul 22 2013, 01:52 PM

I have a Balance Transfer Account with CIMB (fully settle).
Glad it does not appear in my CCRIS report.

But curios that OCBC Credit number appear seem to be different in CCRIS report. Wonder the number in CCRIS report is application number rather than CC number

Alliance Bank bad service..and not giving good offer in Mortgage loan also

This post has been edited by Captain Juventus: Jun 21 2014, 11:44 PM