Hi forumers,

I have concerns about my personal finances that I would like to share with u all

My salary = Rm 4100 gross + other benefits
Net pay = Rm 3560

I have a cc that has long overdue about 1.5 years ago and the outstanding amount
Currently is at Rm 8.6k

I wanted to buy a property few months back. I went to bank Negara to print out my
Ccriss report to my amazement, the cc is not in the ccris. I decided not to move with the purchase then
Thought of a better investment.

Now I believe I found the property that I want. I only have 10k in hand right now after discounts
I would need to pay 10k as the down payment for the property.

My concern is should the credit report be updated and show in the ccris. How should I manage this?
If I pay the cc I won't have enough money for the down payment

I'm 25 btw

Hi wild card,

Thanks for the feedback..in my ccris report stated "No special attention"😄
Have not check ctos yet. Plan to do it next week. By the way, you can contact me for morgage
I'm looking for it