So this round cc to bnmtelelink@bnm.gov.my, it might help

okay i will do it on tomorrow morning.. i doubt the bank will even care for this

Its very challenging to complain to BNM if your loan or card application is rejected.

BNM will only step in if you are an existing customer with no default but suddenly your facilities was cancelled without good reason.

Else if Banks force to approve facilities and NPLS go up, Banks will ask BNM for compensation.

Just my opinion, u can try to complain

thanks for the detail explanation

My long awaited PBB card finally arrived. I sent all my documents on 4 Dec 2015, got it approved on 15 Jan 2016, received the card just now. The longest credit card application in my life . So whoever still waiting for their card approval can use my case as a benchmark. Btw i applied thru ringgitplus so am not sure this is the root case but unlikely as the documents are directly emailed to PBB personnel.

Now PBB said that I am still entitled for ringgitplus promo (end 31 dec 2015) but not the latest promo from PBB. The latest promo is much better than the ringgitplus promo.
But my supp card promo where suppose to get blender not entitled coz approved 15 Jan 2016, which is after promo end on 31 Dec 2015. But I can appeal though after 1st swipe on the supp card.

Look like they have different policy for principal and supp cards

I applied thru ringgitplus, within a week approved after documents submitted

Can Request CCRIS report through email @ without visiting BNM personally?

can.

Mind tO share what are thE info required? How do they verify you?

go to bnm website lo.. fill up the form + 2 supporting documents like bank statements astro bills credit cards statement and send to bnm email.

CTOS also can self check with RM10 charges

RAM , credit bureau, credit scoring all can be checked

mine clear and clean.. scoring also almost perfect but denied but this crazy public bank

This post has been edited by intrepidity85: Jan 20 2016, 09:31 PM

Thx a lot. Will try out

based on what i see.. banks now are reluctant to borrow... maybe they have low funds to weather incoming bad / worst economy ... no idea.. thats just my guess

this one is FOC?

FOC

They will email the report to us or will send report by post?

Commercial banks now a day have to complied with the new BASEL III requirements in which needs to maintain a higher statutory reserve...

by email

sorry i not in banking field.. can u explain what is BASEL III?

It is the third instalment of Accords developed by the Basel Committee on Banking Supervision, a global voluntary regulatory framework adopted by BNM recently for stress test on banks' capital adequacy and market liquidity risk.

Basel III supposed to strengthen bank capital requirements by increasing bank liquidity and decreasing bank leverage. The CET1/RWAs ratio of 4.5% must be maintained at all times by the banks from year 2015 onwards.

thus effect banks more lenient to borrow for new applicants?