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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 Nov 7 2013, 02:41 PM
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#1
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Junior Member
97 posts Joined: Jun 2010 From: Kelana Jaya, Subang Jaya, Petaling Jaya  
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QUOTE(victorywp) I have question, I wanted to apply credit which annual income >30k. The problem is I have CCRIS for late payment for my housing loan. Is it they will approve my application? Please advise... This post has been edited by moshimaruu: Nov 7 2013, 02:48 PM |
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Nov 8 2013, 08:56 AM
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#2
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Junior Member
97 posts Joined: Jun 2010 From: Kelana Jaya, Subang Jaya, Petaling Jaya
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QUOTE(fly126 @ Nov 7 2013, 07:50 PM) As far as I understand in CCRIS record, any number 3 will have 0% chances while any number 2 is 20% and any number 1 will have 50% chances in you application approval. How to check i at which NumbeR? QUOTE(victorywp @ Nov 8 2013, 12:09 AM) is your housing loan late payment happened only in a particular month in the past? or it is a long-term problem which still has not yet settled? Mostly every month i late payment..sometimes 2 month later only make 1 payment. I know myself got CCRIS already, just wanted to know can apply anot..QUOTE(vincentxiang @ Nov 8 2013, 02:13 AM) I would suggest you just take a shot to try. It is because every bank has their own criteria for approving cc to applicant. However, the general thumb rule is the person who met the min required annual income with clean CCRIS and CTOS should has higher chance to get approval CTOS i thought is for telecommunication... Annual income meet requirement, but problem is CCRIS. Which bank normally not so strict? Actually planning in apply CITIBANK clear cc. Just normal.. |
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Nov 8 2013, 01:48 PM
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#3
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Junior Member
97 posts Joined: Jun 2010 From: Kelana Jaya, Subang Jaya, Petaling Jaya
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QUOTE(fly126 @ Nov 8 2013, 10:58 AM) the No. 1, 2,3... is Outstanding Status - Under the payment behavior string, 1 would meant miss 1 payment, 2 would meant miss 2 payment.... thx for ur advise, anyhow i will try to apply and if reject, i just take my company bank credit card, think will much more easier to apply.As for 0 mean You Never Miss any Payment (at Least Min Payment) ...  Anyway, U can get Your Own CCRIS with FOC from Bank Negara at Working Days For more About CCRIS pls Refer to CCRIS, CTOS Thread, Here https://forum.lowyat.net/topic/741069 Post #14 This post has been edited by moshimaruu: Nov 8 2013, 01:48 PM |
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Dec 6 2013, 11:09 AM
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#4
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Junior Member
97 posts Joined: Jun 2010 From: Kelana Jaya, Subang Jaya, Petaling Jaya
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Which bank credit who see on EPF statement ofver CCRIS status? I have late payment of housing loan and car installment.
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Dec 6 2013, 02:52 PM
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#5
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Junior Member
97 posts Joined: Jun 2010 From: Kelana Jaya, Subang Jaya, Petaling Jaya
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QUOTE(Petro-Canada @ Dec 6 2013, 11:42 AM) im afraid all banks will look into CCRIS as it indicate our financial status, DSR and stuffs THen now i hard to apply credit card jo.. sien lor.. Payslip and Bank Statement also got, but still give reject. Those have other which not so straight on CCRIS? and EPF is not a very powerful document also, Payslip + Bank Statement are!  |
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