I'm using Carz for 1 year plus,few months ago i applied MBB Barcelona using kwsp statement and pay slips get approved but I didn't check my ccriss not sure what is my score la.

If you're not targeting Revolver rate and pay full by due date, it won't affect your CCRIS at all.
2% for non-Revolver rate.

I'm a revolver, I keep rm5.01 every month.

As I shared earlier, if you pay min, your CCRIS won't be affected.
*Not corroborated yet*

try to check CCRIS score, recommend registered e-ccris (check anytime)



This post has been edited by K for Ketamine: Jun 23 2018, 12:49 AM

To understand more:
https://ringgitplus.com/en/blog/Credit-Card...redit-Card.html

I believe this article is more important for those who is aiming to be a Revolver.

The First Thirty Days
Missing a payment for a month or being a couple of days late can happen to the best of paymasters, upon the first month of missing a payment, the bank's credit card department would call to remind you to make payment. You will be charged a late fee on top of the interest on the outstanding amount and a note will be added to your CCRIS (Central Credit Reference Information System) banking history showing an outstanding of one month.

Whilst it is fine to pay the minimum payment when you can’t manage the full sum, there may be times finances are so tight we are not able to pay even that. But what will happen then? Here’s a peek at what may likely happen.

assumed every-month out standing RM5.01,

would it be 1,1,1,1,1,1,1,1,1,1,1,1 (Jan-Dec) always or 1,2,3,4,5,6,7,8,9,10,11,12 (Jan-Dec)

would it be 0,0,0,0,0,0,0,0,0,0,0,0 (Jan-Dec)

zero would be best.

even bnm ccris.

 getExplNotes_eng.pdf ( 203.35k ) Number of downloads: 25


Refers to the payment records of the credit facility, e.g. 0 (no arrears), 1 (1 month in arrears), 2 (2 months in arears) etc

sorry for off-topic

That BHP station.......

anyone here apply the affin bank bhpetrol mastercard and get called by cs? i apply before raya and get called by cs today, but cs mention i hv submit application for 2 cc,1 conventional and 1 islamic. so i tell cs to proceed for the bhpetrol mastercard only, which is conventional.

I got called but from the branch I submitted the forms.

earlier I called cs, still no info. they contacted branch for status. branch mentioned under processing but cc Dept.

told him not efficient because cc Dept should have my application records without checking branch instead.

yours is better at least they start to look at the application.

but i just suspect is it the bank staff help me submit for another application for extra commission?coz cc dept receive 2 application instead of 1.i just submit 1 only.

They call for verification ?
Mine til now no news…ccris also no record yet
Even my bsn already in ccris ,i summit later then affin

u can cancel the extra later as well.

ya..i already told cs to proceed for the bhpetrol mastercard only

already received the card today

i didnt get any call

shall call Card centre again!

But being a revolver, for not settling the OSBAL in full, wouldn't that attract interest charges for new transactions as well?

By keep RM 5.01 after the due date, any new transaction posted will attract interest charges from the day it posted?

Does the cashback sufficient to cover the additional interest charges?

Post 1368 got sample bill

Why can't find this at their website?

my afffin card application until now no sound no gas
submitted on 14/6
what no u guys call to check application status?

This post has been edited by sg999: Jun 27 2018, 10:55 PM