PTPTN will not affect. I also have PTPTN, I think many of us also have PTPTN.

Now ptptn ccris dy. They told me got outstanding..

I dont have other loans nor saman. What other reason could it be?

I just got my CCRIS report in January and there is no PTPTN mentioned there.
Probably I will go and print again soon to see if it is there.

Well, sometimes no credit history with banks is also another reason to be rejected.
Probably try applying from your salary crediting back as a start.

Maybank is where my salary goes to every month. Over their min salary requirement also. Balance in the bank still got enough also

So, it was Maybank which rejected your application?
Which card did you apply?

Ikhwan mastercard gold only. They did not give reason why. I have no prior credit card also.. this was going to be my first. No loans other than ptptn. Clean criminal record. Apa lagi?

No wonder. Ikhwan MasterCard has super high tendency to be rejected. I was rejected twice despite having >10 cards in other banks and from Maybank too.
So, what you can do is apply other Maybank cards and get it approved then after that ask to split limit from your current Maybank cards to Ikhwan card, you will get it.

Else, just find for other alternatives while re-applying again next time.
For cards suggestion: https://forum.lowyat.net/index.php?showtopic=3644347

the bank asked me to check with BNM. Got reason?

Check with BNM, that means just ask you to check your CCRIS report lo.
Just go and print and check out.

Ikhwan is like that one la. Just move on.
Anyway, I got my Ikhwan after splitting my limit from my M2Cards Plat.

I got general concern regarding the cc. Lets say when dining,izit ok or safe to pass our cc to the waiter for the payment. Afte all we paid the service charge then y need to walk to cashier isnt it.

Can something goes wrong tho?

it should be safe but if you are worried you can activate the sms transaction alert of RM1 with your bank CS so you can be rest assured if there is any swipes which you didn't make

then I must be lucky, just got my first cc ikhwan card recently

This post has been edited by benson92: Mar 31 2016, 01:24 PM

which credit enjoy offer for movie ticket on sunday?

Citibank.

ohh. best is RM11?

RM 10 per ticket.

Now GSC has Visa Checkout promo, you can visit their website to know more.

This post has been edited by fruitie: Mar 31 2016, 03:10 PM

Yup..jan ccris dun hv ptptn..so did feb..march got already..jz checked my march ccris

how did u manage to check every month? every month go bank negara?

Oops. That is quick.
I will check mine too then. Hate them.

No la..for sure jan no ptptn in ccris cos i check mine in feb..not possible feb dun hv but jan hv..right?

I didnt actually check every month la..it is just tat i am new to these credits reports and coincidently somehow i wan to see the credit reports offer by ctos n ramci these kind of company got what different..so i request (pay rm10) from them from their website, feb from ramci n mar from ctos, there for notice ptptn appear on march


Last time ctos report seems like dun hv ccris report..now hv already..cos they stated tat ccris report is a *NEW* thing in ther ctos report

This post has been edited by deity01: Mar 31 2016, 05:59 PM