Will they refund back the 2% after making the successful report /complaint?

Lol... stupid PTPTN, I just graduated few months back... I read the rules stated we will get 6 month grace period before need to start repaying

Do u even know my case? I was CCRIS-ed when I am studying. U expect a student who getting study loan to pay back at the same time?

yea only way was that... ptptn says rm5.2 k like tat lol... 26 months... btw currently got car loan under my name... dunno whether this will help...

Haha you are correct on your guesses  I just leave the CL to the default lol. Need to reduce CL? Why?

Hmm my utilization is pretty low every month so I guess it's a plus point? But I still got rejected when I tried to apply for UOB YOLO

2 more questions here.

AA
If I cancel a CC, will that affect my CCRIS standing? That is, with all payments fully settled. Hope not, I have cancelled 3 CC so far.

BB
If I apply for a CC and it gets rejected (for whatever reason the bank deems not meeting), will that affect my CCRIS standing?

Thanks.

Interesting!

Why too clean is also no good?

Gee, CC rejection will also appear in CCRIS. Why? Say the bank rejected it due to insufficient infor or insufficient income (say RM5000/month applying for Infinite card), that will be taken as a negative in one's credit profile?

Just curious.

Does outstanding PTPTN loan affects CC applications?

For housing loans, as long as you showed you paid the up to date amount, they usually close eyes already.

CC so particular in that sense?

Nothing to do with the current issue I was curious about?



This one cakap only la.

If IRB wants to chase a person, they have the man and resources to do it without resorting to CCRIS.

Lost.my credit card.. Should i cancel the card or ask for replacement?

Cancel - I can re apply at foc?

Replacement - Need to pay RM50 for the replacement card

Abswer is fly kite

Just wondering if the information from CTOS report is credible?
Recently I've submitted a few CC applications from different banks but all was being rejected. Later then, I found out there is a loan application in ctos report from Sc bank which I am not even aware of. Called to their cust service, they couldnt find any application in their system.

Anyone can share the fastest process to increase cl for pb cc

Dear sifus, need you inputs here...
My statement balance is RM1,443.79
I paid RM1,433.79 before due date.
That's RM10 short to full payment. Error on my part.
To my horror, got interest charged of RM16.89  Failed to get waiver from the bank.

According to the bank, the interest is charged based on the statement amount, RM1,443.79 and from the date of the first transaction of that statement cycle.

Is that true? Anyone with similar experience?