Yes you did and I'm also on the HLB Wise topic too. Any rejection of credit application will be reflected in CCRIS. So you can have a perfect record but if it shows that you have rejected applications, other banks might use that as a reason for their own rejection.

This post has been edited by sleepwalker: Aug 20 2015, 08:49 AM

Actually that is where you are wrong. They have no access to everything just because they have your IC. They won't know your employment status. They won't know your other bank accounts and they won't know if you deposit your salary into PB or other banks. They have access to CCRIS and that's about all they have to check on your background. So if you are working and deposit your salary in another bank, they won't know those details. If you own a business, they won't know how much you are making. That is why they always ask for salary slip and 1 month's bank account statement coz they can't see everything with your IC.

Remember what Rosmah said.. it's a violation of her privacy when somebody leaked details of her bank account out.

Well I don't have to buy your bull as we know what the banks can and cannot do. CCRIS is the only interbank setup that BNM allows. Again, this is not Hollywood.

Just because a place serves food, it is not always considered dining. Starbucks is under Cafe. Dining usually applies to large restaurants. A bakery is not dining.

You have to pay online through an online payment gateway and not through pbebank.com site. That is what they mean by online bill payment.

Are you referring to UOB Payonline? Well, that is a 3rd party payment gateway and of course you will get 6% for internet payment.