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Credit Cards Credit Card v19, Post/Ask general questions here, Please read post 1-3 before posting, tq
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WhitE LighteR
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 Mar 31 2016, 05:58 PM
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QUOTE(deity01 @ Mar 31 2016, 05:49 PM) 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, therefore notice ptptn appear on march u do this via mycreditinfo? |
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edwardccg
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Mar 31 2016, 07:44 PM
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I have send email to BNM to request CCRIS report during Mar 28, and received my report today Mar 31.
But the report is zipped with password, the email ask me to call BNM to get the password during office hour
btw, how is CTOS report looks like compare to CCRIS report. my CTOS do not have much info, most info it stated need to pay RM10.
This post has been edited by edwardccg: Mar 31 2016, 07:46 PM
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mycolumn
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Mar 31 2016, 11:58 PM
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QUOTE(hirano @ Mar 31 2016, 01:15 AM) My application been rejected. No reason given. However i think it's due to ptptn balance. When can i reapply cc again? Maybank. i dun think so it is due to your ptptn balance. my ptptn balance is also quite high, but i got my cc approved by maybank. |
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fruitie
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Mar 31 2016, 11:59 PM
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Rise and Shine
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QUOTE(mycolumn @ Mar 31 2016, 11:58 PM) i dun think so it is due to your ptptn balance. my ptptn balance is also quite high, but i got my cc approved by maybank. They said CCRIS report starts to show your PTPTN effectively March 2016. Previously it wasn't in your CCRIS. |
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mycolumn
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Apr 1 2016, 12:02 AM
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QUOTE(fruitie @ Mar 31 2016, 11:59 PM) They said CCRIS report starts to show your PTPTN effectively March 2016. Previously it wasn't in your CCRIS. owh, i see. Thanks for the update! |
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fruitie
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Apr 1 2016, 12:05 AM
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Rise and Shine
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QUOTE(mycolumn @ Apr 1 2016, 12:02 AM) owh, i see. Thanks for the update! So, it may affect your loan application in the future. I'm also affected.  Luckily I don't have anymore credit card that I want to apply now.  On another hand, I want to cancel one of my cards. |
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mentalkronik
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Apr 1 2016, 12:39 AM
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Getting Started
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Anybody hear about the imoney zero gst card? Is it april fool or what? The cashback look crazy
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fruitie
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Apr 1 2016, 12:49 AM
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Rise and Shine
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QUOTE(mentalkronik @ Apr 1 2016, 12:39 AM) Anybody hear about the imoney zero gst card? Is it april fool or what? The cashback look crazy Sure April Fool la.  |
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fruitie
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Apr 1 2016, 01:00 AM
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Rise and Shine
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QUOTE(mentalkronik @ Apr 1 2016, 12:52 AM) So freaking obvious it is fake. If there are still people fall into this, I'm so speechless. |
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victorywp
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Apr 1 2016, 01:43 AM
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QUOTE(mentalkronik @ Apr 1 2016, 12:52 AM) you try to apply and someone will call you and say april fool. then they will intro you to apply for other types of card. whether you sign up or not, in the end they get all your personal information and they can sell to 3rd party. sekian, terima kasih. |
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deity01
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Apr 1 2016, 09:04 AM
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QUOTE(WhitE LighteR @ Mar 31 2016, 05:58 PM) u do this via mycreditinfo? Yes, for ramci, is mycreditinfo For ctos is myctos |
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deity01
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Apr 1 2016, 09:06 AM
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QUOTE(edwardccg @ Mar 31 2016, 07:44 PM) I have send email to BNM to request CCRIS report during Mar 28, and received my report today Mar 31. But the report is zipped with password, the email ask me to call BNM to get the password during office hour btw, how is CTOS report looks like compare to CCRIS report. my CTOS do not have much info, most info it stated need to pay RM10. For personal, Last time it dont hv ccris report in the ctos report, now hv |
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edwardccg
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Apr 1 2016, 01:42 PM
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QUOTE(deity01 @ Apr 1 2016, 09:06 AM) For personal, Last time it dont hv ccris report in the ctos report, now hv Got my ccris. So now ctos also got ccris record. Is there any different for it to cost rm10 while ccris is free ? |
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fruitie
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Apr 1 2016, 01:48 PM
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Rise and Shine
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QUOTE(edwardccg @ Apr 1 2016, 01:42 PM) Got my ccris. So now ctos also got ccris record. Is there any different for it to cost rm10 while ccris is free ? CTOS is only important if you are blacklist from banks. |
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deity01
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Apr 1 2016, 07:13 PM
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QUOTE(edwardccg @ Apr 1 2016, 01:42 PM) Got my ccris. So now ctos also got ccris record. Is there any different for it to cost rm10 while ccris is free ? Besides the ccris report, they rate u by giving credit score like usa, they collect ur credit info via various source, including whether u r bankrupt, in any lawsuit, u hold/held any director position in any company, ur residential address history, any party check ur finantial info n etc.. and and and..convinient for ppl like myself tat cant/hard/lazy to go to bnm to get the free ccris report..or wan to get the report as soon as posible..u can view ur report, depends on what time and from which provider u request the report from, either instantly, in an hour to few hours time or the next working day from their web portal or ur email account..  |
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edwardccg
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Apr 1 2016, 07:37 PM
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QUOTE(fruitie @ Apr 1 2016, 01:48 PM) CTOS is only important if you are blacklist from banks. QUOTE(deity01 @ Apr 1 2016, 07:13 PM) Besides the ccris report, they rate u by giving credit score like usa, they collect ur credit info via various source, including whether u r bankrupt, in any lawsuit, u hold/held any director position in any company, ur residential address history, any party check ur finantial info n etc.. and and and..convinient for ppl like myself tat cant/hard/lazy to go to bnm to get the free ccris report..or wan to get the report as soon as posible..u can view ur report, depends on what time and from which provider u request the report from, either instantly, in an hour to few hours time or the next working day from their web portal or ur email account..  i see, thanks a lot both of you. CCRIS should be more than enough then.  |
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hurtedheart
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Apr 2 2016, 11:08 AM
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QUOTE(fruitie @ Apr 1 2016, 12:49 AM) Sure April Fool la. and so does this? AEON Kredit |
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fruitie
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Apr 2 2016, 11:12 AM
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Rise and Shine
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QUOTE(hurtedheart @ Apr 2 2016, 11:08 AM) and so does this? AEON KreditObviously prank, Gen-X is famous for doing that. This post has been edited by fruitie: Apr 2 2016, 11:12 AM |
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hurtedheart
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Apr 2 2016, 11:26 AM
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QUOTE(fruitie @ Apr 2 2016, 11:12 AM) Obviously prank, Gen-X is famous for doing that. he make our day  |
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