For how long will it be in CCRIS system that you applied for new credit? Does it tell what credit being applied for in CCRIS?

Just like the repayment records, CCRIS would show all the applications for credit for the past 12 months.

The type of information provided in the credit application records are the amount applied, own application or joint, application status (pending, approved, etc.) and the type of lender (whether it is the same bank that asked for the ccris report, related bank, commercial bank, merchant bank, finance company etc.). I think it doesn't tell whether the applications are for credit cards, hire purchase or housing loan etc., even though it has a column for it.

As far as I know, rejected or deleted applications are not listed, which is surprising, because I think they should include that.



This post has been edited by FastCoder: Sep 5 2012, 02:34 PM

I know what I'm saying...
I'm saying that because Mostly Overseas's Spend get more reward point than Local's Use..
I also knew that both local and Overseas spends can get same amount of 5x reward points

This post has been edited by fly126: Sep 6 2012, 03:49 AM

I'd appreciate if you were to focus on clarity and accuracy of your posting.
Usage of "Mostly" would not be enough as there are many products out there offering 5x and the next question to be asked to you is which one ?

I appreciate your contribution but a misleading/incorrect contribution is of no use as well and it'll create trouble later from demanding readers of this forum. If you can't provide the clarity and accuracy of your posting then I'd appreciate if you were to avoid from answering at all and to allow others in this section to answer that question.


On another note, I'd like to mention that vulgarities are not welcomed here. The recent post have seen some hot blooded members posting using inappropriate language. If you or anyone can't post properly then please take time to cool off before coming here or we'll make sure you'll be cooled off before being allowed to come back.

This post has been edited by hye: Sep 6 2012, 09:29 AM

poor service of public bank credit card application process....

submitted to taming jaya branch.. took 2 weeks yet to submit to card center. called up.. the customer services say no office boy to send the application forms to credit card center!!!!! what kind of bank service?!

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which bank has the lowest minimum salary to apply credit card?

You Must have salary/income of $24,000 per Year (is a Mandate Rules of Bank Negara)
all the banks have to follow this...
Bellow 24k p.a... sorrylah No Credit Card

This post has been edited by fly126: Sep 7 2012, 01:52 PM

Hi Sifus, CIMB issued the Petronas loyalty credit card (GREEN coloured card not GOLD card). Used it to pump petrol at Petronas, rebate given but any purchases at other retail outlets (other than petrol), credit points not given. Is this the terms of the card usage? No points cannot use to offset the GST, seem useless.

HI, I just got a call from PPB. they sent me a invitation for apply credit card..may i know it's 100% approved or just a simple sent a invitation ?i got a car loan with them and i still dont have my 1st credit card.

yes, almost 100% will approve

Most of the Loan facilities come with credit card like Package together...

thankyou, i just apply..how long it will take ? approved or reject? 2 week?

i own a maybank petronas gold card, i going singapore next week, my question is if i need to use my credit card at singapore, how is the charges?

example : 100 sgd , i use my credit card pay, how will it charge?
singapore got maybank rite? and if i withdraw using my atm card can o not

Another great promotion for buy 1 free 1.
Pls take only applicable on Friday only.

Q: i use my credit card pay, how will it charge?
A: IMO the rate are lower than you physically exchange notes, coz if u cant finish the notes u have to exchange it back to RM

Q: singapore got maybank rite? and if i withdraw using my atm card can o not
A: It will be counted as Cash Advance (after calculated exchange rate). Never do that!

If approve your card will sent to you within 2 weeks....

Read This Thread and there is a link to Visa International Exchange Rate Estimator

Just use your Petronas Card as you would in Malaysia and don't worry about the exchange charges.

If you need cash while in Singapore, use your Maybank ATM Debit Card (if you have one) BUT never use credit card for cash withdrawal as you will be imposed a fee upfront and subsequently daily interest shall be imposed. Furthermore, will it be convenient for you to access a MBB ATM?

how bout HSBC atm card, shd able to withdraw rite.
if i withdraw frm hsbc sg, it doesnt have extra charges, juz currency rate only rite.

and if use my hsbc atm card withdraw at sg any local bank, shd have at least rm10 n above charges, rite.

alright =) thankyou