Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsCredit Cards Credit Card v18, Post/Ask general questions here, Please read post 1-3 before posting, tq
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 Feb 9 2015, 11:07 AM
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#1
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Junior Member
166 posts Joined: Jan 2012   
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got a noob question to ask here .
if in the past i have bad debt of repaying the credit card and they canceled off my card and the balance i owned the cc bank already clear off without applying their balance transfer plan. my question is can i reapply a new card at other bank again ? |
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Feb 9 2015, 11:14 AM
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#2
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Junior Member
166 posts Joined: Jan 2012
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QUOTE(Human Nature @ Feb 9 2015, 11:09 AM) you can apply but whether it is approved or rejected, it is up to the bank icic ... so how to increase the chances ?   like have a bank account with some amount of money .. |
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Feb 10 2015, 11:35 AM
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#3
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Junior Member
166 posts Joined: Jan 2012
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QUOTE(cute_boboi @ Feb 10 2015, 10:24 AM) It takes BNM CCRIS 12 rolling months to clear past history records. Many thanks for the prompt reply,Provided you don't have any further NPL or CTOS blacklist or bankruptcy/court case or something else, you may try again after 12 months from when you settle your previous debt. However, unless you learn your lesson on previous CC usage and how to manage and control your usage + prompt monthly payment, my advise is not to use the evil CC.  May i know where can i check on the NPL or CTOS blacklist ? Can i check the status thru online ? Those debts was a sweet revenge from my ex gf .. i learned my lesson ..  |
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