Hi all,

Make long story short, recently I try to make Loan for Satria Neo (Used) with RM28K amount.
With my current salary and commitment, should be green light to proceed.

But then the car shop call me, said that I have CCRIS. Bank can't proceed with the loan.
As far as I remember, not much loan and all paid accordingly.
Even my Citibank Credit Card should be paid off more than a year ago.

What should I do?
Afraid when go to BNM, I already declare as Bankrupt due to unknown piling interest or anything that I missed out.
But I need to make sure all my record clear again.
Don't want this Hassle with Loan Life.

Any advice from expert, I advance with THANK YOU

Once got the report, what will the best advice to clear the CCRIS status soon.
Afraid to melt all saving just to clear everything.

Any advice to whom I should refer first? Is it nessesary to went over AKPK?


I register earlier, and got my Score already.
Its in the middle, not goes to bad par yet.
But due to some missed payment, but still I always pay double + extra whenever I make payment.

That one quite new for me, Owe some company something in term of money or what?
Can I use my EPF to clear debt? So afraid. Still young already screwed with financial institution.

Feel like wanna sell off everything any live with full paid kapchai only.

Yeah, some time past it due but not even enter the next cycle, I already pay it in advance.
Have to admit my mistake take Aeon Credit lightly. The extra charge hurt even more.


Will make my way to BNM this afternoon if possible. Really afraid already declare bankrupt.
Even I doing grabcar now to earn extra. Cut cost also won't help if endup blacklisted by CCRIS.

Note I'm not PTPTN loaner.
Only 1 Credit Card.
Myvi Car Loan, with monthly deduct from account and never fail.

My first myvi no need guarantor, with half of my current salary.
Should be fine by now but don't know with CCRIS issue.

I need to the CCRIS first before proceed with better living.

I spend on Cash Term and Debit only since past 2 years.
But yeah, now have to strict more, or earn more.

Not happy when knowing have this unhealthy financial.

Thank You. Will gather all my strength to face the fact.
If need to sell anything, let it be.

Need to more detail on it.
Will refer to BNM first.
If Aeon is the reason of all this, pay all one time.

Yes, No AEON anymore. So sad. They even treat me like I never pay any amount from the loan.
While they making 50% profit out my loan amount.

That what I really afraid of. But from all my calculation, shouldn't be that much.
Maybe only due to bad repayment record.

My current car use for Grab. Need another weekend car so I don't over use current car.
As from my calculation, earning from Grabcar enough to cover 2X my current car installment.
That why I look forward for another car.

Other main income minimum monthly 3700 on slip.
And for Grabcar incentive around 250 weekly, not include cash collected on daily basis.

Haven't. Didn't managed to make my way last friday.
Is there any other way than going to that kiosk?

Afraid of something that I really missed out, and it pile up until can finish my saving with One Wipe.
But yes, I have to agree, less debt less headache.

Bukan peminjam PTPTN.

Personal Loan Aeon, 5K, berbaki 2K+-.
CC, Citibank. should be paid off last 2 years as no longer using. Card cropped into 2.

Curiosity kill really. Must make my way for CCRIS report by BNM.
Better safe than sorry later.
26YO already encounter Financial Issue.

I've done this earlier. And my score at 685/800.
Should be all G2G.

Haven't. I just did the CTOS score online.
Seem like everyone advising this. Did it open on PH?

I hope the amount not pile up alot.
If around 5K I can close eyes pay all.
And stay clean for the rest 6-8 month.

Spoil mood knowing I'm not a good person anymore.
Bank look at me as problematic person already.

I afraid of this so. And maybe due to the insurance they charge etc.
I really need to go to BNM and finalize everything.
There is no use of me working hard to make saving for living without realize I've been blacklisted by bank due to bad record.
While some others enjoying all 4 creditcard benefit by pay minimum payment.