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CC/DC/Loyalty Cards Forum T&C, Forum T&C
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beyond86
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 May 21 2014, 04:36 PM
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QUOTE(victorywp @ Nov 6 2013, 03:48 PM) you may perform a check with bnm on this matter by requesting for a credit report. if not mistaken, every cc's credit limit also likened to a loan. meaning that if you have 5 cc with a total of rm100k credit limit, it is equivalent to you having a rm100k loan. so this rm100k will definitely take up your total credit quota (based on your income capability) when you try to apply for a new loan. however, if you maintain a good payment record with less utilization of your cc credit limit, this will not affect your chances of getting a new loan. The CCRIS report can call to check or must go to BNM? |
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beyond86
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May 21 2014, 04:42 PM
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QUOTE(beyond86 @ May 21 2014, 05:36 PM) The CCRIS report can call to check or must go to BNM? i found it, needd go to BNM I. Request by individual 1) If you are from the Klang Valley , you may obtain the credit report from the Customer Service Centre, Laman Informasi Nasihat dan Khidmat BNM (LINK) of Bank Negara Malaysia , Head Office at the following address: BNMLINK operates daily from Monday to Friday, 9.00 am - 5.00 pm (including lunch time ) except for public holidays http://creditbureau.bnm.gov.my/index.php?c...7&ac=10&lang=en |
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beyond86
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May 21 2014, 05:08 PM
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QUOTE(kelvinlzy @ May 21 2014, 05:48 PM) You can also email to BNM. They will email back your credit report, fastest is within 5 working days. can check only once for 3 months Application for credit report for individual and company could only be made once in 3 months from the last date of request. http://creditbureau.bnm.gov.my/index.php?ch=5&pg=7&ac=29 |
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beyond86
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May 22 2014, 07:42 AM
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QUOTE(kelvinlzy @ May 21 2014, 08:53 PM) I saw that statement as well. But I called BNM just now and they told me can apply once every month, preferably after 10th of each month as they will update it on 15th. For my case I emailed them the application form and supporting documents yesterday and to my surprise I received it today! Kudos to BNM  Anyhow I realized that you need password in order to open the report, which you have to call up and request directly from them. I only check my email after 5pm so have to wait till tomorrow only can check  OK, thanks. Will do it after filled up all the information and prepared the documents |
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beyond86
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May 28 2014, 04:23 PM
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QUOTE(kelvinlzy @ May 21 2014, 08:53 PM) I saw that statement as well. But I called BNM just now and they told me can apply once every month, preferably after 10th of each month as they will update it on 15th. For my case I emailed them the application form and supporting documents yesterday and to my surprise I received it today! Kudos to BNM Anyhow I realized that you need password in order to open the report, which you have to call up and request directly from them. I only check my email after 5pm so have to wait till tomorrow only can check I emailed them Monday, this morning already got the report. The Date Balanced Updated is 30/4/2014 |
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